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Full text of "Thirty-Seventh Massachusetts Life Insurance Report, 1892"

State Library 



OF 



MASSACHUSETTS 

B. 



Return as Soon as Used. 



i 



-J 



PUBLIC DOCUMENT .... .... No. 9. 



THIRTY-SEVENTH ANNUAL EEPOET 



OF THE 



Insurance Commissioner 



Cnmmnitixoltfr at lllassarjwsttts. 



January 1, 1892. 



PART II. 

LIFE, CASUALTY AND ASSESSMENT INSURANCE. 



BOSTON : 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS, 

18 Post Office Square. 

1892. 

4 



STATE LIBRARY BUSBTTS, 

STATE hi 

jun: 6 






TABLE OF CONTENTS. 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 

Pack 
Introductory, v 

Fixed Premium Lile Insurance, v 

Record of Life Insurance Companies in Massachusetts, v 

Companies retired from business in Massachusetts vi 

Life Insurance on the Assessment Plan, vii 

Fraternal Beneficiary Associations, viii 

The Assessment Endowment Corporations, ix 

The Endowment Graveyard, x 

What " Co-operation " can promise, xix 

British Friendly Societies, xxii 

Something of Early History, xxiii 

What Friendly Societies may do xxv 

Registration of Friendly Societies, xxvi 

Benefits, how limited, xxviii 

Classification of Friendly Societies, xxix 

Appendix, xxxvii 

Remarks on Assessment Endowment Corporations, before Legislative Com- 
mittees, xxxvii 

Statistical Tables, Ratios, etc. (Regular Life), lxv 

Table A. — Summary of Income, Expenditures, Assets, Liabilities, etc., . lxvi 
Table B. — Ratio of Real Estate and other Investments to Gross Assets, . lxviii 

Table C. — Disbursements in Detail, lxxii 

TableD. — Ratio of Expenses to Mean Amount insured, .... lxxvi 
Table E. — Claims by Death in 1891, with Ratios, etc., .... lxxviii 
Table F. — Policies issued, terminated and gained in 1891, .... lxxx 
Table G. — Classification of Policies and Insurance in force, . . . lxxxii 
Table II. — Policies ceased in 1891, with Mode of Termination, . . . lxxxiv 
Table I. — Massachusetts Business, 1891, lxxxvi 



iv TABLE OF CONTENTS. 

Page 
summary of the business of assessment llfe, casualty, fraternal 

and Endowment Corporations: 

Table 1. — Assets, Income and Expenditures, xc 

Table 2. — Certificates issued, ceased and in force, with Massachusetts 

Business, xcii 

Fraternal Beneficiary Associations: 

Table 3. — Title, Location, Officers, xciv 

Table 4. — Income, Expenditures, Assets, Membership, cvi 

Assessment Endowment Corporations : 

Table 5. — Assets, Membership, etc., cxviii 

Table 6. — Expense Fund, Benefit Fund, etc., cxx 

Table 7. — Expense and collection averages, cxxii 

DETAILED STATEMENTS. 

Massachusetts Life Insurance Companies 1 

Life Insurance Companies of Other States, 41 

Accident and Guarantee Companies, 191 

Assessment Life and Casualty Companies 237 

Fraternal Beneficiary Associations, 289 

Assessment Endowment Corporations, 327 

Life, Accident and Casualty Companies of Other States, with Amount 

of Business done by Each, 403 

List of General Agents, 407 



Comimritfottiltfr ai ^uBSKtymtttz. 



Insurance Department, Boston, May 2, 1892. 

To the Honorable the Senate and House of Representatives. 

Herewith is submitted, in compliance with the provisions of 
law, Part II. of the thirty-seventh annual report of this depart- 
ment, relating to life and casualty insurance, and containing 
also abstracts of the reports of the assessment, fraternal bene- 
ficiary and assessment endowment corporations. 

Fixed Premium Life Insurance. 

There has been no change since the last report in the list of 
companies transacting business in this Commonwealth. The 
annual statements show a very satisfactory condition of business 
during the past year, the increase in amount at risk reaching 
about seventeen millions for the five Massachusetts companies, 
and altogether three hundred and twenty millions for the entire 
list of home companies and those of other States. The indus- 
trial business continues its record of development and increase, 
the number of policies in force at the end of the year being 
greater by 255,935 than at the close of the year previous, 
and the amount in force having been increased in the sum of 
$32,531,168. The accompanying tables present in detail all of 
the facts necessary to a complete understanding of the business 
of the several companies. 

Record or Life Insurance Companies in Massachusetts. 
Only six so-called " old-line" life insurance companies have 
been incorporated in this Commonwealth, all of which still 
continue in active and prosperous operation. The insurance 
transactions of the Massachusetts Hospital Life are now 
mainly confined to annuities granted in connection with its 
trust business. 



VI 



REPOET OF THE 



There are of record, as having been authorized to transact 
business in Massachusetts during the history of the department, 
seventy-two life companies of other States and countries. 
Twenty of these remain in active business and good standing. 
The balance have discontinued, either through revocation of 
authority, voluntary retirement or bankruptcy, as will appear 
by the following schedule. Most of these changes and failures 
occurred in the ten years following 1871. Since 1881 only 
two changes have occurred, — the exclusion of the Homoeo- 
pathic in 1886 and the withdrawal of the Vermont Life in 
1891. 

Companies retired from Business in Massachusetts. 



Name of Company. 



Location. 



Remarks. 



American Mutual, 

American Popular, 
American Tontine Life 

and Savings, . 
Amicable Mutual, 
Anchor, 
Asbury, 
Atlantic Mutual, 

Ben Franklin, . 
Brooklyn, . 

Charter Oak, 

Commonwealth, 

Continental, 

Continental, 
Craftsmen's, 

Delaware Mutual, 



Eclectic, 
Economical Mutual, 

Empire Mutual, 
Empire State, . 



Excelsior, . 

Farmers' and Mechanics', 

Globe Mutual, . 

Government Security, 
Great Western Mutual, . 
Guardian Mutual, . 



Hahnemann, 

Hartford Lifeand Annuity, 

Hercules Mutual, 
Homoeopathic Mutual, 
Hope Mutual, . 

International, . 



New Haven, 

New York, . 

New York, 
New York, 
Jersey City, 
New York, 
Albany, 

New York, 
Brooklyn, 

Hartford, 
New York, 
Hartford, 

New York, 
New York, 

Wilmington, Del., 



New York, . 
Providence, . 

New York, . 
Watertown, N. Y., 

New York, . 

New York, . 



New York, 

New York, 
New York, 
New York, 



Cleveland, 
Hartford, 

New York, . 
New York, . 
New York, . 

London, Eng., 



Withdrew 1863; reinsured 1873 in American 

Loan and Trust. 
Authority revoked 1876; failed 1877. 

Re-insured 1871 with Empire Mutual. 
Re-insured 1871 with Guardian Mutual. 
Withdrew and failed 1872. 
Withdrew and receiver appointed in 1873. 
Withdrew 1876 and receiver appointed 1877. 

No business transacted. 
Withdrew 1874. 

Withdrew 1877; receiver appointed 1886. 

Withdrew 1871; failed 1873. 

Authority revoked 1879; receiver appointed 

1887. 
Withdrew in 1875; receiver appointed 1876. 
Re-insured in Hope Mutual 1872. 

Withdrew 1872; re-insured 1873 with National 
of United States. 

Authority revoked 1872; failed 1873. 

Authority revoked 1872; re-insured 1873 with 
Republic of Chicago. 

Re-insured 1872 with Continental, New York. 

Re-insured 1872 with Life Association of Amer- 
ica. 

Re-insured 1872 with National of United States. 

Withdrew and re-insured with Empire Mutual 
1870. 

Authority revoked 1S77; receiver appointed 

1879. 
Withdrew 1873; failed 1874. 
Formerly Great Western ; closed 1870. 
Formerly Guardian; authority revoked 1S72; 

receiver appointed in 1873. 

Amalgamated 1871 with Republic of Chicago. 
Authority revoked 1S80; changed to assess- 
ment company. 
Failed 1871. 

Authority revoked 1886; failed in U 
Re-insured 1872 with New Jersey Mutual. 

Authority revoked 1S59. 



INSURANCE COMMISSIONER. 



vn 



Companies retired from Business in Massachusetts — Concluded. 



Name of Company. 



Location. 



Remarks. 



International Life and 
Trust, . 

Knickerbocker, 

Life Association of Amer- 
ica, 

Merchants, 

Mutual Protection Life 
Assu. Society of U. S., 

National Capital, 
National of New York, . 

National of United States 

of America, . 
New Jersey Mutual, 
New York State, 

North America, 

Phoenix Mutual, 

Republic, . 

Security Life and Annuity, 
Standard, . 

Universal 

United Security Life and 
Trust, . 

Vermont 

"Widows' and Orphans' 
Benefit, .... 
"Widow and Orphan Fund, 
World Mutual, . 



Jersey City, . 

New York, . 

St. Louis, 
New York, . 

New York, . 



Washington, 
New York, . 



Washington, 
Newark, 
Syracuse, . . 

New Yoik, . 

Hartford, 

Chicago, 

New York, . 
New York, . 

New York, . 

Philadelphia, 

Burlington, . 



New York, . 
Nashville, 
New York, . 



Withdrew 1871; re-insured 1872 with United 
States. 

Authority revoked 1877; in hands of receiver 
1882. 

Withdrew 1876; failed 1878. 

Withdrew 1874, and re-insured with Globe 
Mutual. 

Withdrew 1872; name changed to Resene 
Mutual. 

Re-insured 1872 with Penn Mutual. 
Formerly National Life and Travelers; failed 
1873. 

Authority revoked 1880. 

Authority revoked 1877; failed same year. 

Withdrew 1868; re-insured 1872 with Guardian 

Mutual. 
Withdrew 1873; receiver appointed 1874. 

Formerly American Temperance; withdrew 
1880. 

Withdrew 1874 ; absorbed in National of United 
States. 

Authority revoked 1875; receiver appointed 

1876. 
"Withdrew 1871; re-insured with Government 

Security. 

Authority revoked in 1876; receiver appointed 

1877. 

Withdrew 1871, and re-insured with Penn Mu- 
tual. 

Withdrew 1891. 



Absorbed in Mutual Protection 1871. 
Withdrew 1871 ; failed 1876. 
Withdrew 1873; failed same year. 



Life Insurance on the Assessment Plan. 

The rule of the " survival of the fittest" has worked itself 
out with great rapidity in relation to the corporations of this 
Commonwealth transacting business upon the assessment plan. 
Of those doing only a death business, practically but two 
remain of the long list of eight or ten years ago. A third 
appears in the tables, but it has only a nominal membership, 
and is not fairly to be counted. During the year, of the busi- 
ness corporations, the Home Relief Association of Lynn has 
been enjoined by the courts, and Homer Albers, Esq., appointed 
receiver. The Chelsea Reserve Fund Association has trans- 



viii REPORT OF THE 

ferred its membership to the Suffolk Mutual Benefit Associa- 
tion, and ceased to do business. The Union Mutual Benefit 
Association, in March, 1892, transferred a portion of its mem- 
bership to the Bay State Beneficiary Association, and ceased to 
do business. 

An examination by the department, on Nov. 6, 1891, of the 
Pioneer Life and Casualty Insurance Company, revealing that 
the corporation was practically insolvent, the facts were sub- 
mitted to the Attorney-General, and upon his application the 
company was enjoined November 24, and Homer Albers, Esq., 
appointed receiver. During March, 1892, the Massachusetts 
Mutual Aid Society transferred a portion of its membership 
to the Bay State Beneficiary Association and ceased to do 
business. 

Of the assessment accident corporations, the American Acci- 
dent Assurance Association, on June 6, 1891, transferred its 
membership to the Massachusetts Mutual Accident Association, 
and ceased to do business. The Employees' Accident Insur- 
ance Company changed its name to the Atlas Accident Insur- 
ance Company. 

The affairs of the Massachusetts Safety Fund Association 
have been finally closed, and, in accordance with a decree of 
the supreme court under date of March 5, 1891, the balance of 
$789.12, remaining unclaimed in the hands of the receiver, has 
been deposited with the treasurer of the Commonwealth, with 
a list of the persons to whom the several amounts included in 
said sum were due, and the books and papers of the corpora- 
tion have been deposited with the insurance department. 

Of the foreign assessment corporations, the license of the 
Chicago Guaranty Fund Life Society was revoked March '2$, 
1892, for having failed to comply with the requirements of 
law. 

The Boston Traders' Benefit Association and the Get-There 
American Benefit Association ceased to do business during the 
past year. 

Fraternal Bexeficiary Associations. 

These corporations, owing to the distinctively different phases 
of their operations, are necessarily separated in the tabulations 
of this report into two classes, — those paying only death and 



INSURANCE COMMISSIONER. ix 

disability benefits, and those which promise an endowment to a 
member or his family during lifetime. The former class has 
gone on in its legitimate business with prosperity, although 
hampered and retarded by the effect upon the minds of the 
people of the extravagant promises of the endowment orders, 
which continually and falsely refer to the successful continua- 
tion of the former as a ground why their own business can be 
sustained upon its grotesque plans. But the bubble has burst, 
and the experience of the past few months, albeit dearly pur- 
chased, has opened the eyes of the public, and the legitimate 
and non-speculative fraternals may rightfully anticipate re- 
newed growth and a wider extension of their beneficent work. 

The Assessment Endowment Corporations. 

The considerations involved in the business of those corpora- 
tions organized under the fraternal beneficiary statute, which 
promise to make payment of an endowment to a member or 
his family during lifetime, are so fully discussed in the remarks 
of the Insurance Commissioner before the joint committee on 
insurance, and published in the appendix to this report, that 
further detailed criticism of their affairs is hardly necessary in 
this connection. Since the semi-annual report of these corpo- 
rations in July last, twenty-three have gone to pieces, and are 
now by order of the court in the hands of a receiver, with 
instructions to close their affairs, or have gone into voluntary 
bankruptcy or made an assignment for the benefit of the mem- 
bers. No less than four others, making altogether just one-half 
of the entire list of Massachusetts corporations of this character, 
are awaiting action by which the business can be concluded 
and the members receive the pittance of the contributions 
remaining for their benefit. The thirty-three endowment cor- 
porations from which reports were received to January 1 show 
deposits of $1,056,697 in the State treasury on account of the 
endowment fund. These several corporations have already 
been in existence an average of two years. The length of their 
paying period averages five and two-thirds years ; thus over 
one-third of the period in which they are to collect a fund 
sufficient to meet their promises has passed. Their liability 
upon the certificates outstanding is $49,734,775 ; towards liqui- 
dating this amount they have in the aggregate $1,056,647 



X 



REPORT OF THE 



deposited in the treasury of the Commonwealth. The member- 
ship January 1 is reported as 77,4ii<s. The certificates vary in 
amount from $100 to $2,000, in only three corporations beii 
less than $500, and averaging s7oi> ; toward- paying this 
$733, after the expiration of one-third of the average paying 
period, these corporations have collected and deposited S13.04 
for each member. 

Now compare their expense fund with the benefit and endow- 
ment accretions. During the past year the thirty-three -till 
existing corporations of this class report a payment of $759,207 
for expenses alone. The defunct corporations reported only 
for the first six months of 1*91 : adding to the figures thu- 
given a conservative estimate for the remainder of their exist- 
ence, and their expense cost was $1,205,492, making the a 
gate expenses of all the Massachusetts corporations of this 
character, for last year, 81 ,964,699. The expenses of the 
endowment corporations prior to 1*91 footed up $1,228,575, 
making a total cost to the members of conducting the business 
of these "economically managed" companies — this is expenses 
alone — for an average period of two years, of $3,192,274. 
The criticism of the Commissioner of Insurance during the 
past four years upon the schemes of this class of corporation- 
needs no other or more complete endorsement than is found in 
the amount of the expense cost above alluded to, the paltry 
a-sets on hand, and the record of ruin and disaster which fa 
spread over this Commonwealth in the shameful failure of the 
long list of these concerns during the eight months past. 

One other figment of the imagination is constantly referred 
to by the endowment advocates, who chatter about the "eight 
or ten hundred old-line companies which have tailed " in this 
country. Elsewhere is presented a record of all the life 
insurance companies transacting business in this Common- 
wealth since the organization of the insurance department in 
1855. It will be seen that the alleged enormous list of failui 
dwindles like the dissolving promises of the high-salaried 
endowment supremes. 

The Endowment Graveyard. 
The history of these corporations would not be complete 
without a brief sketch, in addition to the suggestions presented 



INSURANCE COMMISSIONER. xi 

in the appendix, of what has been wrought through the failure 
of the nearly one-half of these corporations already gone into 
their graves. This must necessarily be brief, and is gleaned 
in the main from the official reports of the receivers in whose 
hands the affairs of these corporations have been placed. 

The Royal Ark. — Henry A. Wyman, 53 State Street, 
Boston, receiver; appointed Sept. 11, 1891. This corporation 
commenced business Jan. 10, 1890, and had altogether a total 
membership of about 17,400; the term of its certificates was 
one year. In its early circulars, with illusive innocence, the 
officers informed the public that whatever balance " was left" 
after paying $100 from $24 received in assessments would " be 
carried to the reserve fund," and it was of this particular corpo- 
ration that the commissioner in the report for 1890 suggested 
that its name " was surely not chosen from the fact that, like 
its great prototype, only a few will be taken in." The "early" 
members were paid $100 each, at a cost for endowment assess- 
ments of only $32. The corporation was in active existence 
only about twenty months. The principal business at the 
meetings of the executive board seems from the record to have 
been the voting by the officers to themselves of donations in 
addition to their fixed salaries. The records show that the fol- 
lowing sums were received by the various officers of the corpo- 
ration : J. TV. Hamilton, salary, $1,646; donations, $6,035. 
Hamilton was also the printer who furnished the corporation 
most of its supplies, and he seems to have been a veritable 
" Poo-bah" of the organization. He was chairman of the com- 
mittee on supplies, and as such ordered of himself, the printer, 
whatever blanks and printing the corporation needed. He was 
a member of the auditing committee, and as such approved the 
bills which Hamilton of the supply committee had ordered of 
Hamilton the printer. He was also a member of the finance 
committee, and as such Hamilton approved the bills which 
Hamilton had audited, which Hamilton had ordered of Hamil- 
ton. Cassias C. Powers, attorney, received a salary of $1,430 
and donations $6,825, besides renting an office to the corpora- 
tion, for which he received $1,134. A. E. Hill had for salary 
$1,226, and in donations, $2,435. L. C. Powers had a salary 
of $4,327 ; donations, S7,925. B. C. Hazelton, salary, $2,370 ; 



xii REPORT OF THE 

donations, $6,184. W. H. Lane, salary, $8,955; donations, 

$2,367. H. H. Bailey, salary, $2,735; donations, $6,183. 
John E. Avery, salary, $400; donations, $4,518. W. H. 
Cooper, salary, $286; donations, $2,227. W. T. Holmes, 
salary, $1,502; donations, 82,1112. E. X. Hill, salary, $7 
donations, $5,505. R. O. Pierce, salary, $136 ; donations, 
$1,717. L. Newcomb, salary, $46; donations, $755. E. F. 
Johnson, salary, $175; donations, $215. There is about 
$7,000 of assets, to be distributed among 3,100 member- in 
good standing when the corporation was closed. These certifi- 
cate holders alone contributed to the funds of the corporation 
$189,200, and, according to the report of the receiver, will 
receive in return from $1.54 to 2.64 each. 

Upon complaint by the Insurance Commissioner, Luray C. 
Powers and B. C. Hazelton, two of the officers of the Royal 
Ark, were indicted by the grand jury of Suffolk County for 
making illegal assessments, and upon trial in the superior court 
were found guilty. The statute unfortunately provided only 
a maximum fine of $200 ; the presiding justice stated that 
the offence was such that the indicted officers ought clearly 
to be sent to the State prison, and he regretted exceedingly 
that the law permitted him to impose only the insignificant 
fine of $200 in one case and $400 in the other. 

Friendly Aid Society. — Henry A. Wyman, 53 State 
Street, Boston, receiver; appointed Sept. 18, 1891. Com- 
menced business in June, 1890 ; term of certificates, six 
months; total membership altogether aboitt 15,100. About 
8,000 of the early members were paid. There were in good 
standing when the receiver was appointed about 3,500 mem- 
bers. This was one of the first corporations in which the 
original officers discovered a method of enrichino: themselves 
by the process of selling out the corporation, resigning, and 
allowing the purchasing members to be elected officers in their 
places. The old officers received over $27,000 cash for this 
transaction, and the new officials managed, in thirteen weeks 
of the existence of the corporation after they had gained ' con- 
trol, to secure to themselves $36,200 in compensation. The 
books and accounts are in a sadly confused condition, almost 
impossible of being satisfactorily adjusted. The assets amount 



INSURANCE COMMISSIONER. xiii 

to about $34,000, or probably about $9 each to the surviving 
members. 

The Golden Lion. — George S. Hale, 10 Tremont Street, 
Boston, receiver; appointed Dec. 18, 1891. This corporation 
did not commence its endowment business until January, 
1891, certificates being for one year ; consequently the appoint- 
ment of the receiver came before any of its certificates had 
matured, and no money except in disability benefits had been 
paid out to the members. Its payments for expenses, which 
largely went to the officers in salaries, were about $120,000 
during the eleven months of its existence. There were alto- 
gether 12,484 members. It is impossible to tell what number 
of these were in good standing when the corporation was 
closed. The assets amount to about $200,000. 

National Three Year Benefit Order. — E. C. Bumpus, 
87 Milk Street, Boston, receiver; appointed Feb. 8, 1892. 
Commenced business in May, 1890 ; its certificates were for 
three years; the total membership was about 2,600; in good 
standing when the receiver was appointed, about 1,400. Of 
the entire amount received from the members, $82,743, there 
was paid out for expenses over $33,000, of which the officers 
received $11,000. The assets are about $26,000. The orig- 
inal officers sold the corporation to some new-comers for the 
sum of $8,000, $3,000 of which, according to the report of the 
receiver, was in cash, and a $5,000 note given for the balance. 
\Yhen this note became due, two of the new officers took 
$5,000 of the funds of the corporation with which to pay the 
same. The receiver charges Fred R. Whit worth, supreme 
treasurer, who has absconded, and Charles A. Fox, supreme 
secretary, as liable for a deficiency in the funds of $2,268, 
which receiver states they deliberately drew from the corpora- 
tion and used for their private benefit. 

National Congress of Friends. — Henry A. Wyman, 53 
State Street, Boston, assignee ; appointed Nov. 3, 1891. 
Commenced business in February, 1890 ; certificate period, 
five years ; total membership altogether $2,967 ; members in 



xiv EEPORT OF THE 

orood standing when the assignee was appointed, 618. Supreme 
officers received in salaries $11,754. The account- arc in a 
muddled condition, and it appears that the moneys from the 
benefit and endowment fund .have been used for expense pur- 
poses. The assets are $12,000, a portion of which is under 
attachment. 

Fraternal Circle. — Payson E. Tucker, S'2 Devonshire 
Street, Boston, receiver; appointed Feb. 9, 1892. Com- 
menced business in July, 1889 : certificate period, two year 
total membership, between 13,000 and 14,000. The former 
officers made an attempt to sell out for the sum of 
This money the purchasers borrowed from the Order of the 
Rising Sun, a foreign endowment corporation. The Insurance 
Commissioner refused to recognize the le^al standing of the 
newly chosen .officers, and declined to allow them to draw any 
money from the funds in the hands of the treasurer of the 
Commonwealth. The former officers again a>>umed control of 
the corporation, and refused afterwards to turn it over to the 
men who claimed to have purchased it, leaving the latter minus 
both the corporation and the cash. Upon application of the 
receiver of the Order of the Rising Sun the officers were 
arrested, and in the superior court three of their number — 
William Hamilton, James A. Frazer and Charles A. Barney 
— pleaded guilty to the charge of having embezzled $5 ( 
and were sentenced each to live years in the State prison. 
There were at the time of the appointment of the receiver 
about 8,000 members in sood standing. The assets amount 
to §321,000. The salary list of the officers aggregated $12,500 
per year. 

International Benefit Order. — Robert. H. Bowman, 
10 Tremont Street, Boston, assignee ; appointed Nov. 21, 1891. 
Commenced business in March, 1890; certificate period, live 
years. Total membership, 5,318. This corporation is another 
which appears to have been sold out, there having been a change 
of officers, following which is an item entered in the accounts 
of cash paid to old board of officers. Members in good stand- 
ing at date of assignment, about 3,160. The assets amount to 
about $29,000. 



INSURANCE COMMISSIONER. xv 

Annual Friend. — John C. Burke, Lowell, receiver; ap- 
pointed March, 1892. Commenced business in April, 1890 ; 
certificate period, one year. This is another of the " sold-out" 
corporations, and has had altogether an experience most unfort- 
unate for its members. The new officials fixed their salaries 
at from $100 to $750 per month, plus " travelling expenses," 
and in the latter are included such items as a span of horses and 
carriage for use in vicinity of the home office. The records 
show that at one meeting, and a very early one, the officers 
established their own salaries. At the next meeting they voted 
themselves a comfortable sum for " past " services, and at the 
next succeeding meeting another sum for " previous" services. 
Near the close of 1891 the officers made a temporary assign- 
ment of the affairs of the corporation. Shortly after, a meeting 
was held by representatives of some sixty or more of the sub- 
ordinate lodges, at which a general committee was appointed to 
select an assignee who, under their direction, should close the 
affairs of the order. This committee, presumed to be acting in 
the interest of the certificate holders, made a most unfortunate 
selection in Fred R. AVhitworth as assignee. The funds the 
corporation had in hand were entirely paid out, upon what 
basis and to whom there is nothing of record to show. W nit- 
worth, who, as before stated, is charged as an officer of another 
corporation with embezzlement, has absconded. The present 
receiver has thus far been able to find no assets, and is endeav- 
oring to straighten out the very much tangled affairs of the 
corporation to ascertain the facts in relation to the disposition 
of its funds. 

Bay State League. — Clement K. Fay, 5 Tremont Street, 
Boston, receiver: appointed ad interim Dec. 4, 18!>1, and per- 
manently Feb. 26, 18D2. Commenced business in September, 
1890; certificate term, one year; total membership, 23,637. 
It is impossible to state at present the membership in good 
standing at the close. This corporation was also sold by its 
original officers for a large sum, currently believed to have been 
$76,000. The receiver has succeeded in compelling the dis- 
gorgement and repayment to him of $55,000 from Drake and 
Wightman, former president and secretary. The books and 
accounts are in a confused condition ; erasures and substitutions 



xvi REPORT OF THE 

having been made, entries without regard to order, pages torn 
out and destroyed, check books and vouchers missing. In a 
report to the supreme judicial court the receiver -talc- that cer- 
tificates were bought by speculators, acting in many cases as 
agents of the supreme officers and upon information furnished 
by the latter. He affirms that Harry B. French and Joseph W. 
Hamilton, president and secretary of the later list of officer-. 
" bought their official positions for the express purpose of plun- 
dering the certificate holders.". In payment of [ess than a 
year's services Drake, former president, received $19,155; 
Wightman, secretary, for the same period, received $18,937. 
Of the new list of officers, E. M. Harlow received for two 
months' services $7,800; J. W. Hamilton, secretary, for a like 
period, $7,606; and Harry B. French, treasurer, for the same 
term, $7,320. These six officers for a term of fourteen months 
received altogether about $64,000 in salaries. In addition to 
this shameful plundering of the treasury, the receiver states 
that he has evidence showing that the officers must have 
embezzled a very large sum. The assets amount to $295,000. 

Golden Grail. — Joseph I. Bennett, 61 Court Street, 
Boston, receiver; appointed Sept. 29, 1891. Owing to the 
fact that the records and accounts are not only imperfect bat 
in part clearly manufactured, it is impossible to tell what the 
total membership was, — between 30,000 and 40,000. Com- 
menced business in May, 1890 ; certificate period, one year. 
The salaries of the officers were upon a scale of considerable 
magnificence, varying from $7,000 to $10,000 each, and the 
entire expense account being at the rate of $250,000 per year. 
The membership in good standing at the close was about 4..">00. 
The assets consisted of $35,000 in practically worthless securi- 
ties, $10,000 the value of which is doubtful and $40,000 good. 

Mutual One Year Benefit Order. — Sherman L. Whip- 
ple, 5 Tremont Street, Boston, receiver ; appointed Nov. 20, 
1891. Commenced business in May, 1890; certificate term, 
one year; total membership, about 17,745. This corporation 
also was subjected to the " selling-out " process early in Octo- 
ber. The receiver states that the change of officers was 
effected by the payment of $20,000 to the old board, with 



INSURANCE COMMISSIONER. xvii 

which they intended to abscond ; but the receiver has succeeded 
in compelling the disgorgement of $12,000 of the amount. 
Another swindling scheme was the institution "on paper" of a 
lodge of about 300 members, known as Hampden Lodge, No. 
106, which it is believed never had any existence, and was 
simply a device by which the certificate holders were defrauded 
of a large sum of money, to go into the pockets of the officers. 
The receiver states that at the time the old officers retired a 
new cash book was entirely re-written and false entries made 
throughout to cover up this embezzlement ; but fortunately 
the old cash book with its cut leaves was left in the office, and 
the fraud was so palpable as to be easily discovered. The 
books of the new officers do not show to whom nor for what 
the money was disbursed, except the bald statement that it was 
payment of certificates. The expense account of this corpora- 
tion for salaries was at the rate of nearly $110,000 per year. 

People's Favorite Order. — Thomas J. Barry, 48 Con- 
gress Street, Boston, receiver; appointed March 9, 1892. 
Commenced business in January, 1890 ; certificate period, 
three years : total membership, 2,465 ; members in good 
standing at the close, 1,837 ; assets, $12,880. 

Household Benefit Associatiox. — Curtis L. Perkins, 
119 Ames Building, Boston, receiver; appointed March 10, 
1892. This corporation had two classes of certificate holders, 
respectively of one and live years period. The former were 
paid in the early part of the present year, assessments being 
averaged upon the entire number, and the cost, exclusive of 
entry fee and expenses, was about $118 upon each $100 certifi- 
cate. The total membership in the five-year class was 972, and 
in good standing at the close, 452. Assets, $14,837. 

Mystic Seven. — David E. Gould, 53 State Street, Boston, 
receiver; appointed Not. 12, 1891. Commenced business 
April, 1890 ; total membership, 2,742 ; in good standing at the 
close, about 1,200. Receiver states that the accounts are not 
correct, money having been taken from the endowment fund 
for the purpose of defraying expenses, to the amount of about 



xviii REPORT OF THE 

$5,000. The officers received salaries in various amount-, up 
to $4,820 for the supreme president. The assets are about 

$5,000. 

The Progressive Benefit Order. — Arthur Lord, 13 
Exchange Street, Boston, receiver; appointed Feb. 2, 1892. 
Commenced business in May, 1890; certificate period, one 
year; total membership, about 55,000. The only officer who 
apparently received excessive compensation was Thomas Davey, 
president, who received $52,500, besides about $15,000 addi- 
tional for bicycles, expenses, and alleged bills paid for printing. 
The officers concocted an entirely illegal scheme after the pay- 
ment period had commenced, by which members were to agrt 
to receive a bicycle instead of the $100 promised in the certifi- 
cate. The membership in good standing at the close depends 
upon questions as to payments upon the later assessments, not 
yet determined by the court, and may result in establishing 
the claim of about 15,000, or this number may be reduced to 
perhaps 10,000. The assets amount to $57,300. There was a 
mysterious sort of subordinate lodge in connection with this 
corporation also. It had a membership limited to a very few, 
including the supreme officers and a number of their immedi- 
ate friends who had been let into the scheme. While its mem- 
bership was small, the number of certificates held by each ran 
up into the hundreds. There was undoubtedly a deep scheme 
of duplicity in connection with this lodge, but attention having 
been called thereto, the officers deemed it unwise to pursue the 
bit of rascality to the end, and the certificates were cancelled 
and money refunded, in one instance at least, from whatever 
source it came, largely in excess of the amounts paid in upon 
the certificates held. What greater amount was taken from 
contributions of the ordinary members in the winding up of 
this little game is not clear from the account-. 

Six additional corporations have ceased to do business, 
but no information has been obtained from the receivers or 
assignees in regard to the condition of their affairs. The 
following are included in this list : — 

Order of the Red Cross. — Charles G. Pope, Rogers 
Building, Boston, receiver. Certificate period, one year. In 



INSURANCE COMMISSIONER. xix 

July last, when the latest report was made, there were 11,625 
members. Its expense account was at the rate of $27,000 per 
year. The assets are supposed to be nearly nominal. 

Five Year Federation. — J. A. Stockwell, receiver; ap- 
pointed Dec. 28, 1892. Certificate period, five years. This 
corporation had but a small membership and only nominal 
assets. 

Order of the North Star. — James Noonan, Boston, 
receiver. Certificate period, eighteen months. At date of the 
July report there were 1,647 members. Its expense account 
was at the rate of about $20,000 per year. Assets believed 
to be small. 

Royal Assurance League. — This corporation went into 
voluntary bankruptcy February 4. Certificate period, ten 
years. It had in July last but 416 members, and its expense 
account was at the rate of $9, .000 per year. It is supposed to 
be absolutely bankrupt. 

Knights and Ladies of Protection. — C. F. Kittridge, 
Boston, receiver; appointed Feb. 27, 1892. Certificate period, 
ten years. In July last there were 976 members. Its expense 
account was about $5,000 yearly. The assets are small. 

Massachusetts Prudential Order. — This corporation 
went into bankruptcy March 8, 1892, John Haskell Butler, 
Boston, being appointed assignee. In July last the member- 
ship was 342. The expense account was at the rate of $6,000 
per annum ; believed to have practically no assets. 



What " Co-operation " can Promise. 

Among the promoters of the assessment endowment schemes, 
whenever a doubt or wonder has been expressed as to the sources 
of the enormous profits promised, it has been a favorite refuge 
from criticism to ascribe the marvellous expected results to the 
magic of " co-operation," and they magnify and extend upon 



xx REPORT OF THE 

the theme as if a new art had been discovered, — something the 
world had been groping and yearning for through all the .1. 

To thinking people it is probably a little thin; but it must be 
admitted that it has served the purpose of the "promoters" 
and " organizers " wonderfully among the masses, it i- on a 
par with their other favorite mysticism, — the wonderful and 
mysterious power of the " perfect number," seven. 

Inter-dependence and co-operation, for mutual protection 
and relief in danger or misfortune, form the strongest friendly 
ties outside of those of family and kinship. They are not new 
or recent, but go back to the earliest human history, and e 
beyond it to the brute creation. Association for mutual help- 
fulness does not depend on civilization for its origin, although 
its higher development and refinements are referable to human 
intelligence and progress. But the instinct of mutual depend- 
ence is as marked among 1 the gregarious animals and savage 
tribes, and perhaps as honestly obeyed, as among the societies, 
orders and fraternities of civilized mankind to-day. The by- 
laws of the Hottentots and monkey tribes are probably not so 
elaborate, but the single equivalent call of "help" mean-. 
" watch your corner, pay your dues or get out," and is prob- 
ably quite as effective in securing prompt service and persist- 
ency of membership as the more rhetorical and euphemistic 
expression of the modern endowment concern. In its natural 
form, co-operation is confined to vital and essential purpos 
and has the advantage of freedom from artificial and specula- 
tive attachments which so often conspire to defeat the more 
elaborate recent phenomena. 

Co-operation and combination find expression in every form 
of civilized life, and, wherever confined to necessary and rea- 
sonable purposes, are among the grandest elements of human 
progress. By them are accomplished results impossible to 
individual efforts. The developments of means of travel, com- 
merce, manufactures, and all the great marks of human prog- 
ress to-day, are due to the co-operation and combination of 
individual capital, skill and efibrt. Few men even in this mil- 
lionnaire age could individually build and operate a great rail- 
way, factory or steamship, while by co-operation the whole 
world is filled with them and their like, and thereby civiliza- 
tion and human welfare are immeasurably advanced. 



INSURANCE COMMISSIONER. xxi 

So, too, in the minor and closer individual concerns of life. 
No man can certainly say he will from his individual endeavors 
he able to leave a support for his dependants when his life shall 
fail. The most comfortable fortune often becomes suddenly 
elusive, and what seems substantial resolves to ashes. But by 
co-operation and combination a body of men may each say cer- 
tainly to the others, If you are called before we, your family 
shall have a support and a reasonable competence ; for, in con- 
sideration of reciprocal advantages, we will to-day each set 
forth our easy share to the end of making the promise sure. 

This is life insurance co-operation ; and so may accident and 
disability insurance be similarly effected. They are good, and 
commend themselves to reason and prudence. 

The faults and failures in co-operation come almost wholly 
from an ill-advised object and purpose, or from ill-advised and 
inadequate provisions for meeting what might be a proper pur- 
pose. The purpose of life insurance is to replace the uncer- 
tainty of each individual life with certainty of support for the 
objects of its care. But, if irrelevant and unnecessary purposes 
are added to this single and vital one, unless the greatest care 
and most adequate provisions are made to meet all the condi- 
tions, failure must follow. And herein lies the fatal defect 
that has brought ruin and disappointment to life insurance 
schemes. There is no reason for failure except from ill-advised 
plans, inadequate provisions, and ignorance or crime in man- 
agement. 

Life insurance management is a science, as well as a trade 
to be learned. In any other as important profession, years of 
careful study, practice and experience are needed to bring 
reliable skill, and even these by no means always bring out a 
successful practitioner. But every uninstructed idler is sure 
he knows all about life insurance, and fools rush in where wise 
men tread with diffidence and frequent misgivings ; and in none 
of the employments in life is it more true than in insurance 
management that honest ignorance is more dangerous and fatal 
than designing fraud. The laws of to-day make it so easy to 
form so-called life-insurance corporations by persons utterly 
devoid of the most elementary information, and whose only 
qualifications are abundant leisure and an unlimited appetite for 
a soft support, that the wonder is not that nine out of ten 



xxii REPORT OF THE 

perish miserably, but that even one of the ten should survive 
its teething. 

Honest fraternal co-operation for insurance relief, in death 
or disability payments, is not alluded to in this connection; 
but the reference is to the swarm of wild, noisy, speculative 
schemes, which can benefit no one but the favored few. and 
which are no more fraternal than a bucket-shop. 

Some day, after a more thorough skinning and frying, it 
may dawn upon the community that insurance is something 
which should be humanly safe and secure to it- patrons, — that 
such insurance, like everything else that is good for anything, 
costs money, and must be paid for if its advantages are to be 
availed of; and then, perhaps, they will ask the Legislature 
to wipe out the prevalent rubbish, and give them something 
practically and substantially good. And the Legislature may 
some time say of all insurance corporation-, a- it doe- of sav- 
ings banks, that it will reserve to itself the privilege of saying 
when a new life insurance establishment is needed, and -top 
these indiscriminate and whimsical formation-. 



British Feiexdly Societik-. 

The rapid growth in this country during the past decade of 
fraternal assessment associations, and the sudden up-springing 
and already swift downfall of the multitude of assessment 
endowment orders, has induced the publication by their pro- 
moters of repeated allusions to the British friendly society 
with statements largely imaginary and irenerallv delusive as to 
the form and character of operations and length of existence of 
these latter : as a defence of the plans of the organizations 
which have so generally sprung into existence here, it has been 
declared that similar schemes had borne the successful test of 
many hundreds of years, in the history and experience of the 
British friendly societies. The present has seemed a favorable 
time to set forth briefly what the friendly societies of Great 
Britain are, — history, objects, promises and present condition. 
This has proven no light task ; very little reliable information 
as to these societies has ever been collected for public use in 
the United States : in Great Britain there are no official reports 
in detail, and apparently no complete record anywhere of the 



INSURANCE COMMISSIONER. xxiii 

history and purposes of the organizations, and this work of 
preparation has therefore required research through a large list 
of fragmentary records. 

Something of Early History. 

In this inquiry, information has been sought only in English 
official quarters and publications. Nothing has been used that 
is not authoritative and the few deductions drawn are presented 
with no other object than to place such facts as they bear upon 
in condition to be plainly understood. 

Societies agreeing in some respects with those of the present 
day are known to have existed among Greek and Roman com- 
munities prior to the Christian era. They possessed funds from 
wdiich the needy w r ere assisted, funeral aid provided and relig- 
ious observances established. But that out of these w r ere devel- 
oped the modern societies there is no affirmative evidence. 

No trace of such organizations is found in England until the 
tenth century. One was established in Cambridge prior to the 
Conquest, whose rules are still preserved in the original Saxon. 
Its membership was confined to noblemen and gentlemen. Its 
rules were in themselves curious, and assimilate in some degree 
with the modern friendly society in principle : One rule pro- 
vides, "When any member shall die, he shall be carried by 
the whole community to whatever place of interment he shall 
have chosen," and failure to so attend and perforin his duties 
entailed a fine upon the delinquent. Also, if a member was in 
need he should apply to the nearest officer of the society, and 
a neglect to give relief entailed a fine on the official. By another 
rule was established a reparatory fine to this effect : that, if one 
member took the life of another, his fine should be eight 
pounds ; or, if the offender was poor and the deceased was 
worth sixty pounds, each member of the society should contrib- 
ute a half mark, — a little more than ^iyq dollars of present 
money. If the deceased was a iiixd, each member should con- 
tribute two orae, or about $2.50 of present money; but if the 
deceased w r as a Welshman, he should pay but half as much. 
In addition to these requirements the rules provide for various 
religious observances. 

After the Conquest gilds or guilds were established for the 
express promotion of religion, charity or trade. The rules of 



xxiv REPORT OF THE 

one established in the reign of Edward III. provide that, "It" 
a member suffer from fire, water, robbing or other calamity, 
the iiild is to lend him a sum ©f money without interest. " If 
sick or infirm through old age, he was to be supported. They 
who died poor were to be buried at the expense of the guild. 
Mass was to be said every day, and there were four solemn 
feasts each year. Out of these guilds grew the various com- 
panies and city corporations of England. They were estab- 
lished to perform charitable duties hitherto performed by the 
church, and appear to have flourished up to the time of the 
Reformation and for a considerable period thereafter; but in 
the fifteenth century they began to decay, and in the sixteenth 
century, because of corruptions among them, as in the convents 
and other religious houses, laws were enacted empowering the 
king to confiscate the property of both guild- and monaster! 
A partial reservation was made in case of the guild-, but few 
were spared. To them succeeded the modern friendly society ; 
and it may fairly be assumed that their beginning was from the 
germ planted by the ancient and extinct guild, or it perhaps 
mav be that some few guilds survived, and. reforming their 
abuses, grew into such societies. But of this there i- only con- 
jecture. Every record is silent until we find that in 1634 there 
was established in Boness in Scotland a society with the 
unwieldy name of "The United General Sea Box of the Bor- 
rowstouness Friendly Society, " and this is the oldest known 
society of record. In 1885 it had a membership of only 45. 
but had receipts averaging for five years over $8,000, and a 
fund in hand of $35,000. 

The " Friendly Benefit Society" of East London dates it- 
existence from 1687, and in 1886 had a membership of 
with a fund of over £65,000. The " Burgesses and Trad 
Poor Box of Austruther Easter*' was established in 1701, and 
its membership is unknown, as it is a benevolent society, and 
therefore exempt from valuations. It differs from ordinary 
friendly societies in this, that its members receive no benefit-. 
It must confine its operations to purely benevolent purpo> 
and was organized primarily as were many of the earlier 
societies, — to reduce the poor rates of the parish by aiding 
those who would otherwise become a public charge. 

These three societies are the oldest in the three kingdoms. 



INSUKANCE COMMISSIONER. xxv 

so far as is known from any record. After this date they 
begin to appear more and more frequently until about 1794, 
when a marked increase was noted, owing probably to legisla- 
tion in 1793. There is record of 476 societies formed prior to 
1800, part in existence in 188(3. These were all individual 
societies having no branches, and their membership was ex- 
tremely limited. The organization reporting the least mem- 
bership (8) was formed in 1792, and the one reporting the 
greatest (979) was formed in 1788. Excluding the affiliated 
societies and the large burial societies, the friendly societies 
of England are practically neighborhood concerns and largely 
social in their nature, as may be inferred from the fact that, 
out of the 476 heretofore alluded to, more than three hundred 
of the number met in public houses, and one formed in 1687 
still meets in the inn in which it was organized ; and through- 
out England of the individual societies thus meeting the per- 
centage is but little less. 



What Friendly Societies may do. 

The main purposes of a friendly society are the relief of 
members in sickness, and the payment of a sum of money at 
death, generally for funeral expenses. Most societies embrace 
both kinds of relief; but a large and rapidly increasing class, 
called medical associations, medical aid societies, provident 
dispensaries, etc., provide only for the latter benefit. The law 
does not authorize the insuring of relief or benefit to one per- 
son during the sickness, old as:e or widowhood of another. It 
also declares that the sums which may be insured on the death 
of the wives, widows or children of members are only for 
funeral expenses, and that insurance on the death of either 
obviously exceeding the probable cost of the funeral is illegal. 

The provision for the relief or maintenance of the members 
when travelling in search of employment is to be distinguished 
from an ordinary out-of-employment benefit, the latter being 
open only to specially authorized societies. Relief in distress 
is confined to members, and cannot apply to nominees. 

Societies assuring to their members certain annuities or 
endowments are not entitled to registry unless the tables of 
contributions for such assurance be certified by the actuary to 



xxvi REPORT OF THE 

the commissioners for the reduction of the national debt, or an 
actuary approved by the treasurer who has exercised the pro- 
fession of actuary for at least live year-. 



Registration of Friendly Societies. 

Under the British law is provided a central registry office in 
England, with assistant registrars for Scotland and Ireland. 
The duties of the registrar are quite clearly defined in the law: 
and, while the mere fact of rejzistrv affords no guarantee that 
the society is solvent, or its management honest, it is of much 
value as aiding to good management, and it brings to bear 
upon the dishonest or incapable various checks which are 
wholly wanting as respects the unrecristered societies. 

As registration is entirely voluntary, many societies do not 
avail themselves of the advantages held out to those registered, 
presumably for the reason that but little if any benefits are 
paid, they being merely local bodies held together chiefly for 
social purposes. 

The rules of a friendly society applying for registry must 
set forth the whole of the objects for which the society i- 
established, — and nothing not so specitied is legal, — and 
must explicitly define the purpose for which the fund- of the 
society may be applied. An entrance fee (if required) must 
be fixed, and the rules must further provide the conditions 
under which a member becomes entitled to benefits. The con- 
tribution a member must pay is to be specitied, and, if there 
is a power of levy, it should be stated in whose hands it is 
placed, and when, how, and under what limits, if any, it may 
be exercised ; and all lines and forfeitures must be plainly and 
explicitly stated, and provisions must be made for the invest- 
ment of the fund, except that the investment shall be made in 
the Post Office Savings Bank, in the public funds, or with 
the national debt commissioners. 

The rules of a registered society or branch must provide for 
the keeping of its accounts, and societies are .bound to make 
rules for keeping separate accounts of all money received or 
paid on account of any particular fund or benetit assured, for 
which a separate table of contributions payable has been 
adopted. A society is also bound to provide in its rules for 



INSURANCE COMMISSIONER. xxvii 

keeping separate account of expenses of management. The 
rules must also provide for an auditing of the accounts once 
at least in every year, and the audit required may be carried 
on by a public auditor appointed by the treasury or two or 
more persons appointed as the rules provide. Annual returns 
are required, which must show definitely the standing of the 
society, the receipts and expenditures, funds and effects of 
the society as audited, and the number of its members. 
Every person under the rules having an interest in the funds 
may inspect the books of the society or branch. Dividing 
societies must in their rules strictly define what funds are to 
be divided, and under what conditions. The rules must also 
provide for making and returning to the registrar, once at least 
in every live years, the assets and liabilities of the society or 
branch, including estimated risks and contributions, to be 
made by a valuer appointed by the society or branch or by an 
actuary appointed by the registrar. 

If a society is not to be permanent, the rules must specify 
the event on which it is to terminate, and they must also pro- 
vide for its voluntary dissolution. To do this five-sixths of the 
members in value must assent, and there must also be obtained 
the written consent of every person for the time being receiving 
or entitled to receive any relief annuity or other benefits from 
the funds. The value of the members is ascertained by giving 
one vote to each member and an additional vote for every five 
years that he has been a member, but limited to five votes in 
all. The rules must also provide for the right of a fixed portion 
of the members to apply for the appointment of an inspector, 
or to apply for an investigation into the affairs of the society 
with a view to its dissolution ; and the last application must set 
forth, first, that "the funds of the society are insufficient to 
meet the existing- claims thereon, " or that " the rates of contri- 
bution fixed in the rules are insufficient to cover the benefits. " 
If upon investigation by the registrar it appears that the funds 
of the society are insufficient to meet the existing claims thereon, 
or that the rates of contribution are insufficient to cover the 
benefits assured, he may award that the society be dissolved 
and its affairs wound up, and direct in what manner the assets 
of the society may be divided or appropriated ; and the award 
is final and conclusive toward all persons, without appeal. He 



xxviii REPORT OF THE 

may, however, suspend the award of dissolution for such period 
as he may deem necessary, to enable the society to make the 
necessary alterations and adjustments. 

Benefits, how limited. 

A member may nominate to whom money, not exceeding fifty 

pounds, shall be paid at his death; or, if the society avail it -ell' 
of the provident nomination acts, then he may nominate' lor not 
exceeding one hundred pounds; and the law applies different 
conditions, regulating the payment of sums under fifty pound-, 
between fifty and eighty pounds, and between eighty and one 
hundred pounds. 

No one or more societies or branches can insure or pay on 
the death of a child under six year- of age more than six pounds 
in all, or on the death of a child under ten years of age more 
than ten pounds in all, and no such payment can be made at 
the death of a child under ten years of age, except to the parent 
of a child or the executor or administrator of such parent : and 
in no event shall a member of one or more societies be insured 
in a greater gross sum than two hundred pounds, and a mem- 
ber or person claiming through a member may be called upon 
to make and si^n a statutory declaration that the total amount 
to which such member or person is entitled from one or more 
such societies does not exceed the sums aforesaid. 

No payment shall be made on the death of a child under ten 
years unless a certificate of death is issued by the registrar of 
deaths ; and no such registrar shall give any one or more cer- 
tificates of death for the payment in the whole of any sum of 
money exceeding six pounds on the death of a child under five 
years, or for the payment in the whole of a sum exceeding ten 
pounds on the death of a child more than live and under ten 
years. Any society to which is produced a certificate, that does 
not purport to be the first, of the death of a child, shall be 
bound to inquire what sums of money have been paid on the 
same death by any society ; and it shall be a violation of law 
if money is paid on the death of a child other than a- above 
defined. And this applies alike to registered and unregistered 
societies. 

It is to be understood that nearly all the registered friendly 
societies in England have regular and fixed contributions, and 



INSURANCE COMMISSIONER. xxix 

accumulate a fund, — hence the necessity of valuation as pro- 
vided in the law. The registrar, however, may grant certain 
societies an exemption from the rule ; to wit, juvenile societies 
(membership confined to persons under sixteen, whose mem- 
bership terminates at that age), dividing societies (hereafter 
alluded to), and societies which depend upon levies made from 
time to time as the claims arise. The similarity of the latter 
plan and that of assessment insurance of all kinds in this coun- 
try is deserving of consideration. From the returns to the 
registrar last made, it appears that societies paying sickness 
and funeral benefits, and occasionally a small sum on the death 
of a member's wife, to some extent avail themselves of a levy 
or assessment when the fixed contribution shall be insufficient, 
but generally are confined to graduated scales of contributions 
and accumulated funds. In great part this plan is confined to 
societies with branches like the various orders of Odd Fellows, 
and the Ancient Order of Shepherds. There are many inde- 
pendent bodies without branches who depend upon the plan ; 
and, from the official returns to the registrar and such other 
sources of information as are at hand, it appears that the aver- 
age membership of these societies, in 1886, which availed them- 
selves of the advantages secured to members by the registrative 
laws, was 1,048. Average receipts for benefits, 176 pounds ; 
payments from same, 161 pounds ; and funds on hand, 37 
pounds. 

Classification of Friendly Societies. 

For classification of English friendly societies, and the defi- 
nition of their several plans and purposes, this department is 
indebted to George F. Hardy, Esq., whose essay thereon, pub- 
lished in 1886, was awarded the Messenger prize by the Insti- 
tute of Actuaries. The societies are classified as follows : — 

First, local friendly societies, in management independent, 
and usually granting benefits in cases of sickness and death, 
and sometimes providing medical attendance. They are to be 
found in every town and nearly all villages in England, and 
form the most ancient of all existing classes of societies. 

This class is subdivided into : — 

Societies having uniform contributions and benefits for all 
ages of entry, the limits of which vary considerably. An 



xxx KEPORT OF THE 

entrance fee, increasing with the age at entry, Is the usual 
substitute for a graduated scale of contributions. The greater 
number of these local societies arc in a more or less unsound 
financial position, the contributions being generally not more 
than adequate at the lowest ages at entry. A few societies 
might be cited which have been well conducted and conse- 
quently very successful ; the most notable of these arc the 
small societies found principally in East London, which appear 
to have been established by the French Protestant refu< 
about 1685. 

Other societies similar to the last named, in which the 
funeral benefits are met wholly or in part by voluntary levies. 

Other societies haying a graduated scale of contribution, in 
most cases adopted under actuarial advice. 

Other societies confined to particular trades, which arc very 
numerous, and differ but little in practice in their benefits and 
general working from the ordinary local society. 

Second, large general societies, whose membership extends 
over a large area but whose management is usually in one 
location, and also may or may not have agents for the acquire- 
ment of new members and the collection of subscription-. 
Among - the largest of these, and a type of the class, is the 
Hearts of Oak Benefit Society, established in 1*42, and having 
a membership in 1885 of 109,0 ">2. This society chai •_ 
uniform contributions for all ages at entry. It employ- no 
agents outside of London, the members remitting their con- 
tributions and receiving benefits by post-office orders. Thi> 
latter system tends to economy of management, bringing the 
expenses therefor to about six per cent, of the total expendi- 
ture. Societies of this class have almost invariably graduated 

«- <^_ 

tables of contributions and benefits, usually guided by actua- 

• i_ • 

rial science and advice, and their financial situation is generally 
satisfactory. 

Third, patronized county and district societies form a special 
class as regards management, which rests wholly or in great 
part in the hands of the honorary members. These societies 
are mainly in the rural districts, and it is said to be difficult to 
keep down the sickness claims to within a reasonable amount, 
because there is in the manner of their conduct but little to 
enlist a feeling against imposition. 



INSURANCE COMMISSIONER. xxxi 

Fourth, the affiliated orders represent the most popular and 
growing sections of the friendly societies. Of these, the 
Ancient Order of Foresters and the Manchester Unity of 
Odd Fellows may be excepted as types of this class. These 
orders are so widely known as to require but briefest mention. 
The various branches are generally independent in respect of 
sick pay, but mutually dependent in the limits of each district 
as to the liability for funeral allowances ; while the districts 
are again independent of each other financially, but unite for 
legislative purposes. In addition to the sickness funds belong- 
ing to each court, there is usually a district burial fund, kept 
up by equal levies for each member in the district, irrespective 
of aire, and in some orders o'eneral funds common to the whole 
order, as the general funeral fund and the annuity fund of 
the Nottingham Odd Fellows, and the funeral fund of the 
Derby Midland Odd Fellows. In many districts widow and 
orphan funds provide a fixed sum to the widow and a smaller 
sum on account of each child of a deceased member. In 1886 
the affiliated orders in the United Kingdom had a membership 
exceeding 1,900,000, with funds amounting to $53,500,000, or 
about $28 per member. 

Fifth, dividing societies, an important class as to numbers, 
and very largely located in Scotland. Their plan is to receive 
certain fixed annual contributions from the members, out of 
which all claims for the year are paid, together with the 
expenses of management, and any surplus that may exist at 
the end of the year is returned to the contributing members-, 
generally without deduction, but in some cases carrying a 
portion to the account of the next year. Their chief difficulty 
is with prolonged sickness. The stoppage of these societies 
is usually brought about by the failure to obtain the constant 
influx of new blood at the younger ages, upon which they must 
depend to keep down the average sickness rate. From the 
report of the registrar of Scotland in 1886 it appears that of 
such societies registered the average membership was 258, the 
oldest one dating back to 1852. The dividing societies are 
more nearly in accord in principle with endowment assessment 
insurance in this country than is any other class of the English 
friendly societies. 

Sixth, deposit societies, which are rather sayings banks than 



xxxii REPORT OF THE 

friendly societies. Their governing principle is, in the lan- 
guage of their originator, Mr. Wm. Best, that "A member's 
money is and remains his own under his own control, under 
such limitations only as are necessary for the protection of the 
whole. " 

Seventh, collecting burial societies . Friendly societies, regis- 
tered or unregistered, receiving collections by means of collec- 
tors at a greater distance than ten miles of the registered office 
of the society, are subject to certain special obligations, by 
which the rights of members are rigorously guarded. This 
group of friendly societies is a limited one, and almost the 
whole number are confined either expressly or practically to 
burial business, a few including sickness benefits in their oper- 
ations ; but this part of the business has never been successful, 
it proving impracticable to transact this business over a lar 
area. The members are very much scattered, and their con- 
tributions are gathered from house to house by officers generally 
termed collectors, and superintended within specified districts 
by others usually termed agents. With a few exceptions in 
Scotland, there are no local funds under the control of the 
members in the same locality, nor have such members any local 
self-government, a feature which distinguishes the collecting 

re ' • o 

societies from the affiliated societies with branches. The mem- 
bers are for the most part of the poorer class, and, owing to 
their generally large number, the meetings of the society can 
never be representative of the whole body. As a rule, an 
individual member of one of the largest collecting societies is 
very helpless. Collectors are paid a commission of generally 
twenty-five per cent, on collections, and the cost of manage- 
ment sometimes amounts to fifty per cent, of the contributions 
received, and very rarely falls much below this percentage. 
In 1888 it appears, by the report to Parliament of a special 
committee, that this class of societies forms a very large group 
of the friendly societies, but in point of membership and funds 
bears a very different proportion, there being but 52 of these, 
as against 25,800 registered friendly societies and branches, 
but having about half the total number of members and one- 
third of the total funds. While classed as friendly aid societies, 
they are so in name only, this committee reporting in substance 
that, while the law makes it obligatorv on the society to hold 



INSURANCE COMMISSIONER. xxxiii 

one general public meeting in each year, such meetings have 
become farcical, as " the power is practically in the hands of the 
management, subject to the remarkable influence which the col- 
lectors are able to bring to bear on the members, who never 
have any real control over the business." Another conclusion 
of the report is, that "the committee are compelled to look 
upon the method of collecting societies as of no value whatever 
towards education in thrift." 

Eighth, annuity societies. These are usually of great age, 
and are generally unregistered, few in number and small in 
membership, but their funds are considerable. 

Ninth, subsidized societies. These are of modern beginning, 
but are very general. In these the railway funds are an impor- 
tant element. Membership in nearly all cases is compulsory, 
and, in addition to the contributions made by members, they 
are usually supported by an annual subsidy or fixed amount 
from the company in whose employ they are. In addition to 
sickness benefits there is a provision for retiring allowances. 
These societies are not confined to railway companies, but 
embrace iron works, collieries, factories, and general estab- 
lishments employing a large number of individuals. 

The friendly societies are usually confined to men, but in 
some cases women are admitted to membership ; but the work- 
ing of the plan is not satisfactory, the rate of sickness being 
greater with them among women than men. There are several 
orders composed wholly of women, and are in principle like 
the larger affiliated orders. The benefits differ frequently from 
those in male societies, and usually include allowances for con- 
finements. 

The registered societies, including branches, are estimated 
to number about 30,000, more than half of which are branches 
of the affiliated orders, with an estimated membership exceed- 
ing five million. 

An approximate estimate of their financial condition is con- 
tained in a table submitted by the assistant registrar of friendly 
societies for the five years ending Dec. 31, 1880 : — 

Liabilities. 

Present value of benefits, $167,025,760 00 

Other liabilities, 15,152,910 00 

Surplus in 1,537 societies, 4,426,910 00 



$186,605,580 00 



xxxiv REPORT OF THE 



Assets. 

Amount of funds, $41,904,255 00 

Present value of contributions, 115,332,960 00 

Other assets, 3,589,285 00 

Deficiency in 5,030 societies, 25,779,080 00 



$186,605,580 00 



It is not assumed that the above showing is absolutely 
correct, but it may safely be taken as indicating the financial 
position of the societies as a whole at that time, and as it 
would be brought out by a general valuation upon the basis 
of the Manchester Unity experience, with interest at three 
and one-fourth per cent. 

It is developed by the returns of later years that the finan- 
cial position of the societies is generally improving year by 
year, as the weak die out and are replaced by stronger and 
better managed bodies. 

Having above set forth in sreneral statement as briefly as 
possible to an intelligent understanding of the purposes and 
methods of the friendly societies, it is fitting also to quote 
from their home authorities, to show the estimation in which 
they are held, as well as some of the defects of their plans 
developed in practice. In a treatise on this subject, published 
in 1890, Mr. Arthur Scratchley says : — 

' ' Of the many plans which have from time to time been 
devised by the ingenuous and philanthropic with a view to 
ameliorate the condition of the working classes, there is none 
better calculated to assist in that object than the one discus 
in this publication." . . . " There are, nevertheless, societies 
full of erroneous features. The first and perhaps the most im- 
portant is the inadequacy of the rates of contribution demanded 
from members. The rates have apparently, in most instances, 
been calculated not so much after consideration of the value of 
the risks incurred as with the desire to frame a scale of subscrip- 
tions which, from its liberality, would be likely to become 
popular. A society will sell for three pence a week benefits 
that in reality should be rated at sixpence : hence bankruptcy 
is, sooner or later, inevitable. Xor is the case thus supposed 
by any means extreme or rare. Hundreds of societies have, 
from time to time, existed in which the contributions required 



INSURANCE COMMISSIONER. xxxv 

from members have been unreasonably small when compared 
with the benefits promised." 

In this connection Mr. Scratchley introduces another feature, 
namely, inequitable rates. It being a common practice to 
admit members between some specified ages, and charge them 
all alike, for the first few years all goes well, but in process of 
time there is a cessation in gaining new members. The mem- 
bers become older, and their number diminished by death or 
removal. Under these conditions there is little attraction and 
no security to the young man contemplating the future, and 
he looks for a society of those more nearly of his own age, 
although the new possesses the same inherent cause of destruc- 
tion — one fixed charge for all ages — as did the other ; and 
the same process goes on and is repeated, for the supporters of 
the new society in their turn become older and are in succes- 
sion supplanted by other societies still more new ; and it follows 
that many who had counted on relief in the decline of life are 
disappointed, and regret that they ever joined in such an under- 
taking. He concludes by saying, "Friendly societies in gen- 
eral fail from attempting too much." 

Mr. Charles Ansell, another authority, writing at an earlier 
date, said: "There are few institutions capable of being ren- 
dered more generally useful than friendly societies, provided 
they are founded on correct principles, and conducted with 
prudence and economy. They are beneficial alike to the indi- 
viduals of whom they are composed, and to the community at 
lar^e." 

" Those who have taken much interest in friendly societies, 
and in the effects produced by them on the habits of the laboring 
classes, have had frequent reason to lament that unsound calcu- 
lations, bad management and fraud, have with a deplorable 
frequency caused such institutions to fail. The number of 
societies that have existed long enough to bring the sufficiency 
of their contributions to the test of experience, bears a lament- 
ably small proportion to the number that have become insolvent. 
In the early stages of such institutions the claims upon their 
funds are few. They have usually started with the great mass 
of their members in the prime of life, and in robust health, so 
that, for a while, nearly all their receipts have appeared to be 
profits. It is only when advancing age, increased sickness or 



xxxvi REPORT OF THE INS. COMMISSIONER. 

permanent infirmity, together with accelerated claims for fune- 
ral money, press heavily on the funds, that it is discovered that 
the original contributions have been inadequate to provide for 
the benefits promised to the members ; and when insolvency 
shows itself, the ruin produced by it to the older members 
comes at a time when their vigor is forever gone, and they are 
no Ionizer capable of realizing by their labor the mean- of 
beginning anew to make that provision for their helpless age 
which they had for the best proportion of their live- been 
honorably striving to effect. There is scarcely a village in 
England where may not be found many unfortunate instances 
of what is here asserted." 

Respectfully sal miitted, 

GEORGE S. MERRILL, 

Insurance Commissioner. 



APPENDIX. 



Remarks of Geo. S. Merrill, Insurance Commissioner, in 
relation to the assessment endowment corporations, delivered 
at the close of the hearing upon various propositions to change 
the law, before the joint legislative committee on Insurance, 
March 10, 1892. 

Mr. Chairman and Gentlemen of the Committee : No one more 
than myself appreciates the embarrassment which comes to a public 
official not trained in the subtleties of the law, whose life aud profes- 
sion have not led him into the arena of forensic debate, impelled by 
what he deems a sense of public duty, in entering into a discussion 
of this character, and attempting to brush awa} T some of the sophis- 
tries which have been presented by the brilliant coterie of attorneys 
whom the supreme officers of these associations have been able to 
bring here to plead their cause, men whose life and business it is to 
make black appear white, who can 

" distinguish, and divide 
A hair 'twixt south and southwest side." 

And what a combination it has been ! Four years ago, three years 
ago, one year ago, the officers of these corporations were willing to 
commit their case to the brilliant ex-governor and the able ex-coun- 
cillor ; but this year, after the little episode in last fall's political cam- 
paign, that was a combination altogether too one-sided, and they 
therefore brought in from the other great political party the brilliant 
ex-congressman and the equally brilliant ex-pectant lieutenant-gov- 
ernor. Let no one think that I omit my friend Curtis who has sat at 
the end of the table. The difficulty has been to know where to place 
him. I understand where the other four belong, and they nicely bal- 
ance the table politically ; but I do not know whether my friend 
Curtis represents the Farmers' Alliance, the Socialists, the Mugwumps 
or the Prohibitionists ; it is just possible that he is the solitary repre- 
sentative of the new Columbian party. The combination might well 



xxxviii APPENDIX. 

have been captioned with the heading of Barnum's bills, " The greatest 
aggregation of talent on earth ; collected at enormous cost for appear- 
ance during this season onl} 7 ." 

I say it in no spirit of carping criticism, but it is to be borne in 
mind, gentlemen of the committee, that these legal gentlemen have 
come here in the pursuit of their ordinary and proper avocation to 
plead a cause as attorneys. They have not come in the interest of 
the public ; the}' have not been asked to come, so far as is known, 
by any considerable number of certificate holders. They have come 
for a fee, rightly enough, so far as the fee is concerned. I find no 
fault with that ; but their words and arguments are to be valued 
the words and arguments of an attorney are weighed in a criminal 
court. 

It will not do to affirm, however, as has been said, that the insur- 
ance commissioner appears in opposition to these corporations simply 
that he may be able to say by-and-by, on their downfall, " I told you 
so." That will not account for his opposition to this whole scheme 
four years ago, when it was fresh and new. It would be far pleasanter 
for the insurance commissioner to follow in the path kindly marked 
out for him by some of these organizations ; to have no opinion of his 
own, or, having such, to fail to give expression to it, and to let the 
great mass of the people of this Commonwealth be led, as forty thou- 
sand of them have during the past six months, into ruin and disaster. 
It would be far more easy for the commissioner, if he could so con- 
strue his duty, to simply turn the crank and grind out the figures for 
the annual reports ; but the present insurance commissioner does not 
so understand his duty as an official ; and it cannot be said that it is 
only against assessment endowment corporations that the insurance 
commissioner has had an opinion which he was willing to express. 
Two years ago the present insurance commissioner found in this Com- 
monwealth, launched by one of the largest old-line insurance companies 
in the world, a policy which he believed to be unlawful, deceptive and 
misleading, and, although he appreciated full well the power of the 
more than a hundred millions wielded by the autocratic hand control- 
ling that corporation, the insurance commissioner did not hesitate to 
deal a blow against that policy, and it has not been heard from in 
Massachusetts or elsewhere in the world since. But in the months 
following, the commissioner felt the power of those millions in a des- 
perate effort to crush. That man is a coward who, in the light that 
he has, dares not attempt to do his duty, whether it be against the 
clamor of an overwhelming multitude, or confronting an autocratic 
hand with mighty millions behind it ; and he is doubly a coward who 
thus refrains, from any fear of the results that shall come to him per- 
sonally or to the political party to which he belongs. 



APPENDIX. xxxix 

Let me say just here, Mr. Chairman, lest I forget it, that, in any- 
thing I may suggest in this discussion, I am contending against a prin- 
ciple, or the want of a principle, and not against individuals. There 
are in the management of some of these assessment endowment cor- 
porations men whose honesty and integrity cannot be impeached, men 
whose word I would accept as fully and unreservedly as the word 
of any men in this Commonwealth ; but you are called upon, not to 
pass upon the goodness of a few men, but upon the character of a 
system. 

Forty years ago, by almost as unfortunate a statute as that which 
brought these corporations into existence, there sprang up all over 
Massachusetts what were known as loan fund associations. The 
insurance department of that early day demonstrated mathematically, 
as it has demonstrated in regard to these organizations, that the 
scheme could not be carried out ; and yet thousands of our people 
went into those associations, and some of them had as honest men in 
their management as existed at that time. In my own county, 
Stephen H. Phillips, a man of honored name, was at the head of one 
of these loan fund associations ; but the honesty of the men engaged 
in the transactions did not save the system. It went down, as the 
insurance department then predicted it must, in irretrievable ruin ; 
and hundreds of thousands of dollars were lost to the people of this 
Commonwealth, despite the honesty and the integrity and the good 
intentions of the managers. 

The atmosphere has clarified somewhat, Mr. Chairman, during the 
last year. The insurance commissioner has not been quite as lone- 
some here this year in opposing these schemes as he was four years 
ago and three years ago and one year ago. It has been asked why 
there has not been a larger representation in opposition. Well, you 
had the Boston Board of Trade, in its official capacity, representing 
nearly a thousand of the largest firms in Boston, to testify to you of 
the injury that had been done to the people of this Commonwealth 
by the endowment associations ; you had the Lowell and Fall River 
boards of trade, and a number of prominent citizens. Why did not 
more of them come? Because skilful attorneys were permitted, as in 
my judgment there existed no right or reason, to cross-examine and 
attempt cunningly to confuse these voluntary witnesses, who came 
from no motive but of public interest ; and then it was sneeringly 
suggested that these representative business men came to oppose such 
associations from purely selfish considerations, because the money 
these corporations had taken in had not gone to build up the profits 
of the merchants who thus came to protest. And when Robert Treat 
Paine, to-day perhaps the most conspicuous philanthropist in Massa- 
chusetts, a man who is devoting his time and his talents and his fort- 



xl APPENDIX. 

une to relieving and alleviating the sufferings of the poor of the city 
of Boston, whom no man can conceive had any other than a philan- 
thropic and a just purpose, — when finally his righteous indignation 
blazed out in regard to what he had seen of the sufferings from these 
corporations among the poor, he was taunted by one of the " supren* 
as exhibiting a spirit of "venom." Xo wonder that more of the 
merchants of Boston are not willing to come* here voluntarily in the 
interest alone of the great public, to take part in a movement 
against these corporations. 

The supreme officers have been here, — some of them. As I looked 
around, however, I missed many familiar faces of la>t year. Six of 
them — it was six yesterday, it may be ten to-day — are in Suffolk 
County jail ; * twenty have turned their footsteps toward more con- 
genial climes than Massachusetts ; nearly twenty more are under 
criminal indictment by the grand jury of Suffolk County. The 
attorney for these organizations has inquired why the members of 
endowment corporations had not been here to protest, if they were 
not perfectly satistied with these corporations. Well, I will give you 
one reason, gentlemen ; because quite a large number if not all of 
these corporations have in their constitution or by-laws a provision 
similar to.that of the father of them all, the Iron Hall. — that, if any 
member dares write a letter or speak in terms derogatory to the organ- 
ization or its officers, he may be taken by the supreme head at the 
nape of the neck and dropped out of the window, his certificate can- 
celled, and his payments confiscated ; and that provision is put iu 
under the plea of fraternity, under the banner of " the brotherhood 
of man and the Fatherhood of God ; " this is the reason deterring 
some dissatisfied members from coming here. 

I can bring you from the files in the insurance department hundreds 
of letters ; and, if you could have sat there during the past six months, 
vou would have listened to hundreds of the members of these so-called 
long-term organizations, protesting against their continuance, stating 
that their eves have been opened, and that they believe the Legislat- 
ure should find means for closing up these corporations and returning 
to its members the money they have contributed. 

The counsel who opened this case told you that he was here in the 
interest of the fraternal organizations ; that the Iron Hall, by which 
he was particularly retained, exemplified the bed-rock principles of 
fraternity ; and as a heading to his argument as published as an 
advertisement in oue of the Boston papers are these lines : 4 * The 
attacks on fraternal insurance riddled and shown up by John Haskell 
Butler. He defends the fraternal insurance system." The entire 

* Three of these have been since sentenced to five years each in the State Prison. 



APPENDIX. xli 

effort has been to make it appear that opposition to the endow- 
ment schemes was antagonism to the legitimate fraternals. Right 
here we part company. The commissioner opposes the endowment 
feature, as he has for four years, because it is not fraternal, but 
purely speculative ; he is in favor of the fraternal beneficiary associa- 
tions, and is therefore opposed to burdening them with the specula- 
tive feature, which -has nothing of fraternity about it. Fraternity, 
indeed ! Why, on the literature of one of these corporations is printed, 
** You don't need to die to win ; " and on another, " Live to win," as 
the most conspicuous head-line on the first page. I have only con- 
tempt for the man who, under the guise of fraternity, becomes the 
father of this suggestion, and openly makes the declaration that he 
cares little or nothing about the dear ones that he may leave behind 
should he be suddenly called out of life ; that he only desires to go 
into some corporation where he can speculate for his own gain, with- 
out thought or care for the widow and the orphans. 

Mr. Chairman, it lies in no man's mouth to accuse the present insur- 
ance commissioner of being opposed to fraternity, or to the fraternal 
beneficiary organizations. I belong to one of the latter myself, and 
have for years. I have been honored with its highest office in Massa- 
chusetts, and I hold to-day the second office in its supreme body in 
the United States. You cannot find in the records of the insurance 
department for five years one expression which is not cordial and 
friendly and favorable to the fraternal beneficiary organizations ; but 
I draw the line at that speculative feature which has come in, and 
which says, " All for myself, and nothing for the widows and 
orphans." 

Let us inquire about this "fraternity" which Mr. Butler has de- 
clared was the basis of the organization of the Iron Hall. This 
association, he states, does great things in the way of caring for 
the sick and ministering to those who are suffering. AYhat does the 
Iron Hall select as its conspicuous emblem to put upon its literature? 
Do you find there an angel of mercy coining with soft hands to wipe 
the cold sweat from the brow of a sick member of the organization? 
Do you find a hand outstretched with " $25 a week " in it? No ; but 
the Iron Hall puts out, as its one object to attract attention, an iron 
safe, the emblem of finance, and upon it, "$1,000 in seven years." 
And so with the literature of all of them, — the most conspicuous 
thing, the first thing, is so many dollars in so many years, and all 
the other considerations come in purely as subsidiary. 

But, if there are any men on the face of the earth who know what 
fraternal beneficiary insurance is, what genuine fraternity is, — who 
know what is the true and what the false, — it is the men who have 
created the great fraternal beneficiary corporations of this country, 



xlii APPENDIX. 

and builded them up. I have here the proceedings of the fifth annual 
session of the National Fraternal Congress of the United States. I 
find therein the Ancient Order of United Workmen, the Knights of 
Honor, the Royal Arcanum, — no less than thirty death and disability 
paying organizations. I fail to find the Iron Hall or the American 
Endowment League, or any of the rest of these corporations : and. 
I turn through the pages of the book to learn why they are not here, 
I find in the constitution the provisions necessary to make an associa- 
tion eligible to join this fraternity. They are these : " The lodge sys- 
tem, representative government, ritualistic work, fraternal association, 
help to members in sickness or destitution, the payment of benefits to 
living members for total and physical disabilities ; " and then, •• It is 
hereby declared to be the sense of this Fraternal Congress that no 
society whose distinctive features do not conform hereto is eligible to 
membership in the Congress or entitled to be classed as a fraternal 
beneficiary society. We repudiate the speculative societies whose 
chief aim is to pay sums of money to members during their lifetime, 
without regard to distress or physical disability, and declare that the 
aims of any such societies are entirely opposed to the principles upon 
which the fraternal beneficiary societies are founded, and by virtue of 
which they exist." 

One week ago to-morrow the Ancient Order of United Workmen, 
the largest in the list of fraternals, with nearly 260,000 members, held 
its annual convention in the State of New York, and adopted a reso- 
lution endorsing the above platform, and protesting against the ad- 
mission into the State of New York, by the Legislature, of these 
endowment societies which are now before you. 

I look through this book, and I find a report from the committee on 
laws, and at its head, as chairman of the committee, is John Haskell 
Butler of Massachusetts. Iu the language of the ancient plea. *■ I 
appeal from Philip drunk to Philip sober." I appeal from John 
Haskell Butler's definition here as a paid attorney, of what constitutes 
fraternal societies, to the definition, as above, of John Haskell Butler 
as chairman of the committee on laws of the Fraternal Congress of 
the United States of America. 

Let us clear away a little more of the rubbish thrown in here. There 
has been a good deal said about lapses and tontine insurance. The 
commissioner was quoted as saying a year ago that the lapses were a 
small item in these corporations. Well, that was a year ago. We 
have made lots of history since then. The lapses last year in the 
order of the Royal Ark, — the Royal Ark is stranded now. and not on 
the top of Mount Ararat, — the lapses in the Royal Ark contributed 
to the fund $258,000. The members who went into that corporation 
with the honest purpose of continuing to the end, and who from stress 



APPENDIX. xliii 

of circumstaDces were compelled to drop out, left 8258,000 of their 
contributions to be confiscated and put into somebody's else pockets, 
generally into the pockets of the supremes. As to tontine, there is 
not to-day an old-line company in the United States doing straight 
tontine business. " A little learning is a dangerous thing;" and 
when these people undertake to draw parallels between this business 
and old-line insurance, they are pretty certain to land in a quagmire. 
There has been no end of chatter by the officers of these endowment 
associations to the effect that the old-line insurance corporations 
profited enormously from lapses. That is utterly untrue ; there is not 
even a shadow of truth in it. In the first place, in Massachusetts, 
by law. — a law that has been in existence for more than thirty years, 
— no old-line company can lapse a policy and confiscate the reserve 
contribution thereto after two payments have been made, which 
requires, as it is made in advance, one year and a day ; all other com- 
panies doing business in Massachusetts have voluntarily made a rule 
that it shall not be done after three payments, which makes a time 
limit of two years and a day ; acting under Massachusetts law, the 
companies do not receive enough in these premiums to pay the cost of 
carrying the insurance through the two years, plus the expense of the 
business ; therefore, under Massachusetts law, solemnly enacted more 
than thirty years ago, and which has been standing by the assent of 
everybody since, the old-line companies in Massachusetts make abso- 
lutely no profit, but a loss, upon those people who lapse out of their 
companies. You might as well discuss lapses in the Methodist church 
as to talk about lapses in the old-line companies as a reason why this 
business can be done upon the plan of the endowments. 

The senior counsel, if I may so term ex-Governor Robinson, has 
insisted that there were no lapses ; they were not lapses, they were 
withdrawals. Well, under the advice of the "New York Sun" to 
the Democratic party a while ago, I think the counsel had better 
" get together." Mr. Butler, in his argument down in Maine, called 
them lapses. Mr. Curtis, in his argument here, calls them lapses. 
Mr. Tyng calls them lapses. Mr. Mclntire calls them lapses. Every- 
body, except Mr. Robinson, calls them lapses. Well, a name is of 
very little consequence. It does not make any difference whether 
you call them lapses or withdrawals. The difficulty is that these 
assessment endowment corporations are so awfully thin-skinned, so 
terribly sensitive, and they do not like that word " lapse ; " therefore 
the governor made that elaborate argument to show that they were 
only withdrawals, — the governor made an illustration at which every- 
body smiled, and the " supremes " laughed outright. It was a good 
one. ** Why," he says, " if I get out of the cars and leave my car- 
pet-bag, the carpet-bag is lapsed." I am grateful to him for the apt 



xliv APPENDIX. 

illustration, but he did not complete it. Let me do it for him. The 
governor and I leave Chicopee, his home, and start in a train for 
Boston. At Springfield he receives a telegram that a member of his 
family is suddenly and seriously ill, and he must leave the train the 
He gets out, and in his haste leaves his carpet-bag. That is his illus- 
tration so far. But what happens to the carpet-bag? No affliction 
has come to my family. I am permitted to continue the journey to 
Boston, and as a " persistent " traveller I coolly confiscate the carpet- 
bag, and divide the contents between myself and others in the cur. 
That is precisely what happens under the system of lapses in the 
assessment endowment corporations. The carpet-bag lapsed, owing 
to misfortune befalling its owner, and the fellows remaining in the 
train confiscate it to their own use. 

There is another bit of humbuggery which has been repeated here 
over and over again, — that these assessment endowment corporations 
live upon the good faith of their members, and that an increase of 
membership was necessary, just as an increase of membership is 
necessary in the old-line companies. This is another illustration of 
the folly of talking about something concerning which you know noth- 
ing. There is not one of the twenty-five old-line companies now 
transacting business in Massachusetts which cannot close its doors at 
twelve o'clock to-day and never take in another new life or another 
drop of new blood, in which it is not absolutely certain — unless rob- 
bery comes in, which you cannot prevent anywhere — that every 
beneficiary of the members who now hold policies will be paid in full 
at the end. 

My friend, who represents the unknown party, quoted what the 
commissioner said about the looseness of the fraternal law. He 
answered that the commissioner drew this statute, " all but seven 
lines of it." Seven lines interjected by a cunning lawyer into any 
chapter of the New Testament would so pervert it from its original 
meaning that you would not know whether it was the New Testament 
or the Book of Mormon. Suppose that, when the great prophet of 
Jehovah had come down from the mountain with the law written upon 
tables of stone, some endowment association supreme had come along 
with a chisel, — and the experience of the last year shows that they 
are immense on chiselling, — and had cut out of the Ten Command- 
ments everywhere it occurred the little word "not." That would 
have been no greater change than the Iron Hall interjection of seven 
lines into the fraternal statute, but it would have made a mighty dif- 
ference in the Commandments, would it not? Those seven lines 
thrust into the law made a wonderful difference therein. That statute 
was drawn for the death and disability paying fraternals, — for honest 
corporations ; and while the law has been in force, have you heard of 



APPENDIX. xlv 

any stealing or robbery or corruption or needed prosecutions in rela- 
tion to any of the legitimate fraternals ? The law is strong enough 
for that class of corporations ; but when you let these speculative 
concerns in, with the temptation to fraud and deception, then the 
seven lines corrupt the whole lump of the law. 

One other matter. The three attorneys who made an argument in 
this matter, and certainly two of the supreme officers, each went out 
of his way to assert that, for all that had happened in this Common- 
wealth in the way of desolation and ruin during the past year in the 
failure of endowment orders, the present commissioner was respon- 
sible. Even the skilled attorneys in this case have taken a large con- 
tract, when they attempt to hold the present insurance commissioner 
responsible, before the people of Massachusetts, for the endowment 
associations. I do not know as I would have said just what I now 
will say, had it not been for •this audacious statement repeated o'er 
and o'er. The law provides a way in which the preliminary proceed- 
ings to organize a corporation under the statute may be held. After 
these are had, the record is to be presented to the insurance commis- 
sioner. What is his duty ? The statute declares that, if it appears 
that " the purposes and proceedings are in accordance with law," he 
" shall certify the papers to the secretary of the State." Sometimes 
in the statute u may " means " shall," but there is not a decision on 
record anywhere that "shall" ever means "may." If the proceed- 
ings in the case of an}- of these corporations were not correct, they 
have always been sent back and not approved until the proceedings 
were in accordance with law. The next thing is "the purposes." 
What are the purposes? The purpose is defined in the statute, and 
what is that? " To pay a benefit to the member or his family at the 
end of such period of time as shall be fixed by said by-laws and 
written in the certificate." Is it claimed that the insurance commis- 
sioner should have made of himself a detective agency, that he 
should have inquired into the antecedents of every one of the incorpo- 
rators under the provision giving him the supervision of the proceed- 
ings and purposes? Was he to inquire whether a man's grandfather 
was some time imprisoned for some offence ? Nobody will pretend 
that. What is the claim ? That the commissioner should have 
drawn a line at some period of years? The law says, at the end of 
"a fixed period of time." It does not say five years or four years 
or five days. The commissioner four years ago put himself on record 
as against the whole of these schemes. He does not believe that the 
element of time is a factor therein ; and, if he had found in that law 
any possible provision giving him a discretion, would he have drawn 
the line at five years? No, Mr. Chairman. He would have drawn 



xlvi APPENDIX. 

the line at nine hundred and ninety-nine years, and not one of the 
brood, six months or sixteen years, would have been chartered. 

Where does the responsibility for this business reai ? It rests fairly 
and squarely upon the shoulders of the two attorneys who were instru- 
mental in securing the passage of the law permitting this scheme in 
Massachusetts, one lending his wide reputation among the fraternal 
orders, and the other giving as a cloak the mantle of his high per- 
sonal character and great name ; the responsibility for the endowment 
associations, long-term and short-term, with all that they are and all 
they have wrought in Massachusetts, is upon John Haskell Butler and 
George D. Robinson ; and that is where the good people of this Com- 
monwealth full well understand that it belongs. 

One of the attorneys has said that it was desirable to have t. 
endowments for the poor people who could not pay the large pre- 
miums required in old-line companies. But endowments for the 
wage-earners, with no security in the promise, is only a delusion and 
a snare. By all means, assessment endowments, if they can be made 
secure ; but do not permit the people of this Commonwealth to be 
deluded, as they have been deluded during the past two or three 
years, with the idea that they can procure the payment of $500 for 
$150, or $1,000 for $350, or any such ridiculous amounts. 

If the endowment corporations will come here and present a bill 
making endowments upon the assessment plan secure, they will meet 
with absolutely no opposition. There is no wickedness in an endow- 
ment ; it is all right in itself ; but when you undertake to humbug the 
people with the idea that they are likely to get $1,000 for $350, the 
pretension ought not to be permitted in Massachusetts. 

The counsel in opening said that the Iron Hall, the father of all 
these corporations, had almost exactly fulfilled the figures they gave 
to him four years ago. I do not know what figures they gave him. I 
do know what figures they gave the Legislature, because I have them 
here. They became mighty scarce after the hearing, but I happened 
to have one in my scrap-book, from which I was compelled to cut it 
out to bring here. True, the Iron Hall during the past two or three 
years has paid its maturing certificates, and paid them at a small 
cost. Why? It is perfectly easy of solution. In the first years of 
the existence of the Iron Hall it took in upon an average about 1,100 
members per year ; and when it reached the maturing period it had 
40,000 members. It is easy for 40,000 members to pay the remnant 
of 1,100 members $1,000 each without costing the 40,000 members 
heavily ; but the Iron Hall has not happened to go on with that 
increase ratio since, and is not having that ratio of increase now. 
But the Iron Hall presented to the Legislature, to induce them to 
pass those " seven lines " which the commissioner opposed, an elabo- 



APPENDIX. xlvii 

rate tabulation in print. Here is a copy, showing how it can be done 
and upon what basis, and exactly what the members would have to 
pay from year to year to carry out the scheme. It was projected 
into the future up to 1896. 

Let us see how far the Iron Hall's figures, establishing the basis 
upon which the plan can be carried out in the future, have been 
realized by the facts. I say I do not know what figures the Iron Hall 
gave Mr. Butler. I do know what they gave the Legislature. 

These figures, in the estimate of membership, of lapses, of pay- 
ments even, for the years 1890 and 1891, are not within fifty per cent, 
of the actual results as shown by the sworn report. 

[Mr. Butler interrupted with the statement that the Iron Hall never 
authorized those tabulations, and that, when the Supreme Justice 
learned that they were being circulated, he had them withdrawn. The 
commissioner replied that possibly some good-natured fellow, with no 
interest in the Iron Hall, took the trouble of making this elaborate 
computation in its behalf, and providing for the cost of its publica- 
tion ; he had never before heard that it was repudiated ; that certainly 
there was no public statement to that end, and of course the effect 
remained with the members of the Legislature, as was doubtless 
intended. But if, even now, the authority of the figures was disputed, 
they would not be introduced.] 

It will not, at all events, Mr. Chairman, be questioned that in its 
constitution, when asking for admission to Massachusetts, the Iron 
Hall had a provision, as one of the safeguards to its members, as one 
of the bonds of security for the future, that during no period of its 
existence should more than one-seventh of its reserve fund be drawn 
in any year to meet maturing certificates. At the next meeting of 
the supreme sitting, Supreme Justice Somerby recommended that the 
law be changed. It was changed so that there might be taken two- 
sevenths, double what was claimed would be needed. The supreme 
body did call for two-sevenths, and its report for 1890, sworn to by 
the officers, shows that it took two-sevenths instead of one-seventh, 
of that which it had promised should remain in the reserve fund. 

It took twice as much money from the reserve fund to meet liabili- 
ties as was promised the Legislature and the members as sufficient to 
carry out the plan. False in one, false in all. 

A letter has been read, — and these associations are so much in 
love with that letter that every one of the counsel has alluded to it, 
and I do not know how many of them read it, — a letter which the 
commissioner wrote in October last. It has been printed by some of 
the organizations as part of their literature. They roll that letter like 
a sweet morsel in their mouths. When any of these endowment asso- 
ciations find anything said or written by the commissioner which they 



xlviii APPENDIX. 

thiuk they can quote with advantage, lie is endorsed as a man of 
admirable judgment. They are ever ready to quote anythi _ 
authority from the commissioner, if it can be twisted to the: 
The commissioner is not in the habit of writing letters that he does 
not stand by. I have to say as to that letter, the commissioner stands 
absolutely by every line of it, — when it was written, nearly five 
months ago. AVe have learned something in Massachusetts about 
these endowment associations during the last five months. There has 
been an object lesson spread out before the people of this Common- 
wealth in relation to these schemes which was not in full view five 
months ago. Thirty years ago there were scattered up and down the 
length of these Northern States thousands of men who were deliber- 
ately and honestly opposed to any act of coercion of the Southern 
States. But, one hour after the flag on Sumter was tired upon, 
hundreds of thousands of those men changed their opinions in a 
moment, and stood loyally, devotedly, unreservedly for the flag, and 
for all means to crush out rebellion and save the nation. We have 
had an object lesson in Massachusetts the last five months as power- 
ful in the line of honesty and morality as that firing upon the flag of 
Fort Sumter was in the direction of patriotism and loyalty. 

Governor Robinson was inclined to criticise the commissioner be- 
cause he did not, this year as last, meet with the counsel and a com- 
mittee and agree as to what should be done. "Well, Mr. Chairman, 
if I am cheated once it is not my fault, but if I am cheated twice by 
the same person I alone am to blame. I did agree last year as to 
amendments that had better be made to the law. I was not in favor 
at that time — without abating one jot of my hostility to the scheme — 
I was not in favor of any radical legislation, because I believed that, 
in the interest of the great end, it was better that these endowment 
corporations should go on for a time ; and I agreed to some amend- 
ments. You have members at your board to-day who know how 
earnest I was in that belief, and how sincere were my efforts to have 
that legislation pass ; but when it failed, I was accused by >ome of 
these corporations of being responsible for the failure, and from that 
hour until this, through a great political campaigu, the insurance com- 
missioner has been berated by these supremes from Cape Cod to Berk- 
shire. Because he did not intend to set caught in that kind of a 
combination twice was why the insurance commissioner declined this 
year to sit down in consultation with men who had perpetrated that 
trick on him last year. 

I am opposed to these corporations, to this scheme, as I have been 
persistently, if not consistently, for four years, first of all, because of 
the gambling spirit they awaken in the Commonwealth and elsewhere. 
You have by these schemes taught the people of Massachusetts and 



APPENDIX. xlix 

of other States that it was possible to get something for practically 
nothing, forgetting that the man who gets something for nothing gets 
something that is worth, in almost every instance, precisely what it 
cost him. But, as I said, we have had an object lesson in Massachu- 
setts. Twenty of these endowment corporations have already gone 
into their little graves, and 40,000 people, largely of the working- 
classes of this Commonwealth, are now out of pocket from $30 to 
$138 each, with hope or possibility of substantially nothing in return. 

Well, some one will say, these are the short-term orders. Oh, no ; 
do not be deluded with that idea. There is in this death list one 
corporation of a six-months period, eight of a year, one of a year 
and a half, one of two years, two of three years, five of five years, 
one of seven years and two of ten years. That is the length of the 
payment period of the corporations that have already gone either into 
the hands of a receiver or into bankruptcy. 

Mr. Chairman and gentlemen of the committee, I wish it could have 
been your privilege to sit during the months of the autumn day after 
day, week after week, month after month, as I have, and listen to the 
stories of the poor, duped, deluded, swindled and defrauded victims 
of these twenty corporations that have gone into their graves, — 
ladies between seventy and eighty years of age who had drawn out of 
the savings bank their last little accumulation, under the promise, as 
in several cases they had it most solemnly, of these supreme officers 
that they should receive about four-fold in return ; little cash girls 
whose heads hardly reached my desk, from Houghton & Dutton's and 
other stores, who receive $2.50 a week, and their mothers gave them 
the half dollar for spending money. The officers assured them that 
the half dollar per week would surely bring them $100 at the end 
of the year ; they took their little half dollar, denied themselves all 
the things they were accustomed to buy with it, and contributed two 
dollars a month, until, as I recall one instance, the assessments came 
more frequently, and the two little girls had paid in $40 each, and 
they came in and stood at my desk, exhibiting, in a bunch, assess- 
ments calling for $62 more ; they were compelled, of course, to drop 
out, and their hard-earned contributions were confiscated by more 
fortunate certificate holders. 

In one of the first of these corporations to go to pieces the officers 
sold out for $27,700, according to their sworn return to the insurance 
department. I thought it was a fabulous sum, but I did not know 
the capacity of the fellows who were running these concerns. The 
next one sold for $35,000; another, $50,000; another, $7(5,000,— 
$70,000 for selling out one of these "fraternal" corporations, by 
men who are running "beneficent" institutions that you must not 
touch or injure in any way because they are in the interest of the 



1 APPENDIX. 

working people who have no other means of investing their small sums 
than in endowments. But §55,000 of that 870,000, thank heaven, has 
been squeezed out of the pockets of those robbers by the receiver who 
has taken possession of that corporation. 

At Lowell there are now driving through the streets of that manu- 
facturing city two or three of the ex-supremes of one of these broken 
corporations, with a splendid span of horses, beautiful buggy, fine 
harnesses, elegant robes, bought out of the contributions of these 
honest people, and charged off to " travelling expenses." In another 
one the receiver found among the vouchers of the corporation a bill 
for $200 worth of jewelry, and I had it before the grand jury ; pinned 
to the back of the bill was the order which had been drawn taking 
that $200 out of the contributions of these working people, and 
endorsed by the rascal who upon his silver-wedding anniversary 
received that $200 worth of jewelry which the certificate holders paid 
for. The officers of this corporation received upon an average 81 0.000 
each as compensation, coolly voting themselves, from time to time, 
extras out of their victims' contributions, in one instance the gratuity 
thus gobbled being $2,000 each. 

Another one of these corporations sold out for 830,000 ; the old 
officers, finding there was about $30,000 left in the treasury which 
they would be compelled to turn over to the new officers, thought 
that was one of those " lapses " which had not received proper atten- 
tion, and, like the carpet-bag, it was confiscated. They went to 
work and formed a " fake " lodge of 300 members, a lodge that never 
had an existence, the seal of which was made eleven months and ten 
days after the date it purported to be impressed upon the certificates. 
They created this lodge of 300 fictitious names, made out the certifi- 
cates, dating them back a year, collected nothing on them, and the 
receiver found them in the safe, not even folded, just as they came 
from the printer, with an immense golden seal emblazoned on them ; 
but the officers put the $30,000 down in their trousers pockets. 

In the case of the Golden Lion, one of these corporations with 
some 12,000 members, upon a hearing before Justice Allen of the 
supreme court, one of the officers was asked what position he held in 
the corporation ; he answered that he was the supreme chaplain. 
Asked what were his duties, he stated that he opened the supreme 
session with prayer. Asked if he was a clergyman, he replied that 
he was not ; and, upon inquiry as to his occupation prior to his 
appointment to the position of supreme chaplain, he stated that he 
had been a clerk, I think in a grocery store, at fifteen dollars per 
week. Asked again what was his salary as supreme chaplain, he 
answered, $7,500 per year ! As the supreme session of the Golden 
Lion was held but once in two years, it will be seen that the cost to 



APPENDIX. li 

the certificate holders for the services of this supreme chaplain was 
$15,000 for a single prayer. Evidently prayers of this sort are 
expensive, but I infer that the endowment corporations must have 
them. 

Last night I saw in a Boston newspaper — the unsuspecting would 
think this was some item of great news that the reporter went in 
search of ; those of us who are in the newspaper business know it was 
paid for at so much a line — the story of Mr. Davey, better known as 
Thomas Davey, — Thomas is no doubter, — who gives his explanation 
of the rise and fall, or rather of the fall, of the Progressive Benefit 
order ; he is one of the men who cordially agree with attorneys Butler 
and Robinson, that the insurance commissioner has no business to 
have an opinion upon anything that goes on, provided it is done under 
color of law ; he goes a bit further, and declares that the commissioner 
has no business to say anything about fraternal insurance in his news- 
paper. Well, I was not aware, when I accepted the office of insurance 
commissioner, that my newspaper was thrown in as one of the attach- 
ments that went with the office. I thought that was my own little 
plaything. This Mr. Davey says the "harpies" came in, — that is 
one reason, the harpies came in; the scheme attracted to itself "a 
perfect swarm of incapable, unscrupulous and irresponsible men who 
sought to dishonestly fill their pockets by wholesale robbery of the 
members ; they voted themselves enormous salaries, perquisites, ex- 
tras, and collected large sums for expenses and imaginary special 
services." Mr. Davey is opposed to all that. Davey is one of the 
honest fellows, one of the sweet saints in this business. Davey did 
not take any unusual fees ; oh, no. Davey got only a dollar a head 
for every member who came in, and the books in the hands of the 
receiver show that he pocketed $68,000, the order being in existence 
but little more than eighteen months. The " harpies " came in. So 
the members think. And this is the man who comes out in the public 
prints to abuse the insurance commissioner for having an opinion, 
and to insist upon it that he, Davey, wears the white robe of sweet 
innocence. I have learned in the last year — some of it I learned 
four years ago — to have the highest appreciation of the unblushing 
cheek and downright impudence of some of the men who are 
running this sort of business, but Davey is clearly entitled to the 
medal. 

Mr. Chairman, these are not isolated cases. Of the eighteen 
already broken corporations, — it was eighteen yesterday when I 
made these notes, there are twenty this morning ; the swiftness with 
which they come prompts me to suggest, gentlemen, that you will 
need to hasten with any legislation you have in reference to these 
endowment corporations, or there won't be any of them left for you 



lii APPENDIX. 

to legislate about, — almost every one went down under the groc 
swindling. 

But I am answered that there is fraud in all business ; that this 
result should not prejudice the system, because there is fraud in e 
business. I agree that, until we all become more nearly saints than 
we are now, there will be fraud in all business, and it cannot be pre- 
vented. But, gentlemen, when out of hfty-six corporations twenty 
in a little over six months have gone down in black despair, leaving 
forty thousand of the people of this Commonwealth swindled and 
cheated, and when almost every one of these corporations so far 
investigated is scarred and marred and blistered all over with fraud 
and cheating and robbery and embezzlement and corruption, then I 
say that it is not the exceptional fraud which happens in business, but 
it comes as the rule and by wholesale, because there is something 
inherent in the very system itself which attracts so many harpies and 
gamblers to manage it. 

Counsel somewhere in the discussion said that these corporations 
did not promise to pay a definite amount ; the Iron Hall does not. 
They only agree to pay a sum •• not exceeding $1,000." Well, that 
is the foundation for one of the charges I make against them. They 
do promise in the certificate to pay a sum not exceeding $1,000 ; but 
take any bit of their literature, from top to botton, any one of them, 
and mark you. the man who becomes a member does not see the cer- 
tificate until after he has joined ; here is the literature that they pre- 
sent to the public to induce them to join, and on not a single page of 
the circulars of any one of them is there a line or suggestion that 
they do not make a definite promise : they hold out the promie 
the people that they shall have a definite sum, and after the man has 
joined and paid in his admission fee. then he finds, if he reads the 
contract through, that he has no promise to be paid a definite sum. 
You have been told by three or four witnesses, — you were told by 
Mr. Barrell, you were told by Mr. Mcintosh, both of those wit- 
nesses distinctly affirmed, when asked by a member of the committee 
if they had ever made any estimate of what the cost would be. that 
they had not. Well, in a newspaper published by the People's Five 
Year Benefit, in which the name of Mr. Barrell appears as the head 
of the order, I find in the editorials a distinct and emphatic state- 
ment that it will cost but $150 to get $500. In the literature of Mr. 
Mcintosh's company, in one of his circulars, there is a well-defined 
estimate of how much it will cost. And this is the experience all 
through the list : whatever the exact conditions of the legal contract, 
the people have been deluded with the idea that it was possible for 
the members to be paid, upon an average, three times the amount of 
their contributions. The inducements to join have been false and 



APPENDIX. liii 

deceptive, and this has been the foundation of the now shaky and 
tottering fabric builded under the sanction of a statute of this Com- 
monwealth. 

These corporations call themselves fraternal beneficiary corpora- 
tions. What do you understand by that? If you look into their 
constitution and laws, you will find that almost without exception the 
membership have absolutely no right or power of control in the elec- 
tion of officers, the government of the corporation or the manage- 
ment of the money that they pay in. They are little autocracies held 
in the hand of the supremes. If any provision is made, — I do not 
say this of every one of them, but of the most of them, — if there 
is any provision to admit a certificate holder, the contingency is so 
remote and so circumscribed that it is utterly impossible for the 
members ever to get control of the affairs, to direct the expenditure 
of the money, or have anything to do with the management of the 
corporation. Now, if they are to be classed as fraternal beneficiary 
corporations, there ought to be something in the way of fraternity 
in them. Here is an illustration. When the officers of the Annual 
Friend originally brought their constitution and laws to the insur- 
ance department for examination, there was therein no provision for 
the admission of representatives. The department declined to ap- 
prove the papers in that form. The incorporators went away and 
amended them, inserting a provision that every subordinate lodge of 
one hundred members should have one representative in the supreme 
body, and an additional representative for every additional two hun- 
dred members. The by-laws were approved. The charter secured, 
the seven incorporators immediately walked down to the supreme 
office and issued a call, giving seven days' notice, of a meeting of the 
supreme body. At this session they struck out " subordinate lodge " 
and put in " grand lodge," and they struck out " 100 " members and 
put in " 10,000;" and, as they never had 10,000 members in one 
jurisdiction, they could not have a grand lodge, and thus they utterly 
destroyed the provision that permitted any member to come in. By 
this trick the little group in control were able to sell out when the 
time came. 

Governor Robinson found fault with the report of the commissioner, 
and he endeavored to give you the impression — because there was no 
other than that cunning purpose in alluding to it — that the commis- 
sioner in the tabulations dealt with these organizations unfairly ; 
and he says, "Why did not the commissioner put in as a heading, 
1 foreign tontine companies ' ? " The governor rolled it out as if it 
absolutely annihilated the insurance commissioner. Why does he 
not put in " foreign tontine companies?" Because there are no such 
corporations in existence, and he could not put them in if he wanted 



liv APPENDIX. 

to. But in the text of the volume — the governor had his eye upon 
it, he had read it with so mueh care that his insurance information 
ought to have been greater than it was — the insurance commissioner 
speaks of " fixed premium life insurance." That is the first heading 
in the volume. There is no such thing in law. The statute does 
not speak of u fixed premium life insurance," but fixed premium life 
insurance has come to be a common and well-understood term as 
applied to the so-called old-line companies, and the insurance com- 
missioner uses it because it is the easy way in which to designate 
them. Theu he mentions the industrial business of the John Han- 
cock and Germania and Metropolitan. The law does not speak of 
l< industrial insurance companies," but does speak of the business by 
itself, and it is so put in the report under that heading, and nobody 
complains. 

The endowment corporations, while classified in the same statute 
with death and disability paying fraternals, differ in their transac- 
tions. AVhat is the principal part of their business? Look at the 
statistics, and you will find that endowment is their most conspicuous 
and important business ; and, as the affairs are not similar in the two 
classes of corporations, they must, if the figures are to present auy- 
thing of value, be classified separately. The insurance commissioner 
puts them under the name of the business they were doing. " assess- 
ment endowment corporations." He was compelled to put them 
somewhere. 

The counsel went on to read from the insurance report what would 
be the contingent liability of the Massachusetts Benefit Association. 
Now, the commissioner in his report shows the contingent liability of 
this corporation exactly as he shows the contingent liability of the 
assessment endowment corporations ; and when I so suggested to the 
governor, the only question I did interrupt him with, he said. " Why, 
that is of no consequence." If it was of no consequence, why did 
he interject it here in the discussion ? It was done to lead you to 
believe that the commissioner in the tables treated one class of corpo- 
rations in one manner and another class of corporations in a different 
manner. It is a sample of the unfairness with which the commissioner 
is assailed by these corporations. 

There is one other question we have heard much prattle about, and 
that is the question of long and short term. Well, that discussiou. I 
confess, makes me weary. Hang a multiplication table on the wall, 
draw a line above the row of figures 5, and affirm everything above 
that line is rank nonsense, and everything below the line is pure 
mathematics : there would be just as much sense in this as there 
is in talking about the difference between long and short term 
organizations. Can any man tell me. in accordance with any mathe- 



APPENDIX. \v 

matical principle, how you can pay $1,000 at the end of ten years at 
a cost of 8400, and not be able to pay Si 00 at the end of one year at 
a cost of 840? I have never yet heard the question answered. I 
have heard some of these supremes talk about the element of time. 
Governor Robinson said, "Why, can't I do more work in seven days 
than I can do in one?" What an answer that is. Does he receive 
more pay for the seventh day than he gets for the first ? He does 
more work in seven days than he does in one, but does he go on eat- 
ing more and getting more pay in increasing ratio each successive 
day ? His suggestion is utterly nonsensical. Further, the governor 
said that the statistics show that in fraternal associations the average 
duration of the certificates was five years ; and then he said, the endow- 
ments multiply that by five, which gives an amount five times as much 
as that, which proves, he asserts, the endowment promises can be 
carried out. What has that got to do with this question ? Absolutely 
nothing. You might as well quote the price of wheat in Russia, and 
try to draw deductions from it, as to talk about that five years. 
"What is the difference ? Why can they not do it upon the same 
principle ? Take a thousand members in a death and disability paying 
fraternal and a thousand members in an endowment ; it would proba- 
bly be true that the lapses would be about the same in one as in the 
other, and thus offset each other ; at the average age about eight men 
out of a thousand would die each year. If you take a five-year period 
for the illustration, at the end of five years a disability and death pay- 
ing fraternity would have been required to pay eight certificates in each 
year on a thousand, — forty certificates ; that is its total liability. 
The endowment companies agree to pay the 40 and the 960 additional ; 
one agrees to pay to the beneficiaries of members deceased, the other 
to pay the entire membership. That is the difference between the 
two, the mathematical difference. The lapses, bear in mind, will be 
in about the same ratio in each, and are not therefore an element 
in the computation ; there is absolutely no sense in undertaking to 
compare the disability and death paying fraternals with these endow- 
ments. 

In the hearing a week ago you had a witness here by the name of 
Dever. Governor Robinson alluded to him as the " ignorant man, " 
of course facetiously ; while General Collins, referring to the statement 
of Mr. Keyes, some weeks ago, called the witness "the forgotten 
man." Well, when that man reads the newspapers this afternoon, 
he will find that he is a good deal nearer being a forgotten man than 
General Collins thought. He said he was a certificate holder in Tonti 
and the Household Benefit Association, and he said, moreover, if he 
lost over fifteen dollars a year in the latter he should hold the com- 
missioner personally responsible for it. I do not know why he draws 



lvi APPENDIX. 

the line at fourteen or fifteen dollars ; why not hold the commissioner 
responsible, as the counsel have, for the whole business? But when 
Mr. Dever reads the newspapers this evening, he will think that Gen- 
eral Collins' application of the forgotten man is a good deal truer than 
it was last week. This morning the Household Benefit Association, 
by unanimous vote of its officers, applied to the supreme court for 
an injunction, which was granted, and the corporation put in the 
hands of a receiver. 

I was very glad to hear the counsel state how cordially they con- 
demned the fraud in these short-term endowments, so many of which 
have gone under. I could not, however, but be reminded, as I looked 
at that one of the counsel who occupied a seat at the end of the table, 
that only one short twelve months ago he sat right here as counsel for 
the short-term orders, endeavoring to convince you, gentlemen, by 
eloquence and argument, that short-term orders were just as solid, 
and stood as firmly upon the " bed-rock fraternal principle, " as any 
other orders in the Commonwealth of Massachusetts. That was only 
twelve months ago ; and to-day he condemns their fraud, and tells you 
it is impossible that short termers should ever have lived, because the 
bed-rock principle of fraternity does not underlie them. 

The counsel — I suppose I may speak of him as the senior counsel 
— repeated many timas in his argument, " Let us be honest. Now. 
let us be honest." "The lady doth protest too much, methinks." 
I am suspicious, even of a lawyer's plea, — and ordinarily I am not 
suspicious of a lawyer's plea, — when he goes on insisting from 
beginning to end that it is necessary to be so honest ; and the Gov- 
ernor, looking across the table at the insurance commissioner, rolled 
out with a good deal of force and vigor the assertion that somebody 
had been interjecting poison somewhere ; he said he had no respect 
for the man who goes up to the head waters that supply his house 
and puts poison into those waters. Ah, Mr. Chairman and gentle- 
men, there are other streams than those which flow from the springs 
to ex-Governor Robinson's house, or the houses of other people. 
There are great streams of honesty and uprightness and morality 
which flow throughout this good old Commonwealth of ours ; and I 
have as little respect for the man who attempts to poison or assists 
in the poisoning by pernicious schemes the great tide of morality 
flowing back and forth through Massachusetts, as for the man who 
puts poison into the waters of the spring from which my family 
derive their supply. 

Each one of the corporations represented here by the aggregation 
of attorneys is, I suppose, to be considered with the attorneys in 
condemning fraud and protesting against the short-term orders. In 
the literature of the American Protective League, I find it stated that 



APPENDIX. lvii 

that league had raised up its voice against the short-term orders. It 
did. It denounced them, and says it knew from the first that the 
business could not be done ; and yet, in the literature of the wild- 
cats which came to us from Maine and New Hampshire and West 
Virginia, one year ago, and flooded this Commonwealth with 202 of 
those bond concerns, the like of which had never before been seen 
under the sun, and I trust will never be seen again in this Common- 
wealth, I find as incorporators of two of those bond corporations, 
worse a hundred times over than the short-term orders which have 
already failed in Massachusetts, the names of some of the present 
officers of the American Protective League. Their opinions seem to 
have changed in regard to these short-term orders since your com- 
mittee sat here one short twelve months ago. 

Mr. Purman. Major, excuse me. To my knowledge I do not 
believe that there is a single gentleman in the supreme body of the 
American Protective League to-day that ever was connected directly 
or indirectly with one of those bond schemes ; and if the insurance 
commissioner is certain on that point, I would ask for my own part 
for the names of those parties. 

Mr. Merrill. Let me give you another bit of information which 
will perhaps be as advantageous as that. Mr. Purman who has just 
sat down is secretary-general of the American Protective League ; he 
went into the supreme body of the Royal Assurance League, and made 
a strong contest there to make that particular corporation — which, 
by the way, has gone into bankruptcy — a one-year term organiza- 
tion. Mr. Purman made the effort, and it is upon record. Mr. Pur- 
man may not have been in any New Hampshire concerns, but in one 
of the corporations now in the hands of a receiver there is a list of 
early certificate holders in one of the largest short-term organizations. 
I do not know that they all pertain in any way to this Mr. Purman, 
but his name is there and the addresses of ten other Purmans, and 
three people of another name, and with the same address ; there is 
Cortie Purman and Lola Purman and Isadore Purman, altogether 
eleven Purmans in succession, and their residence is given, with three 
others, as that of this Mr. Purman who has just sat down, all early 
certificate holders, all in on " the ground floor " in one of those short- 
term orders which has already gone to pieces. 

Mr. Purman. I must really deny that general allegation that is 
made here. 

Mr. Merrill. Are there no such names there ? 

Mr. Purman. I want to say this : there was a movement of that 
kind, but it never was perfected, and it never came to any legal con- 
dition, and therefore to couple my name or any other names with a 
movement of that kind that never assumed any lawful condition is 



Iviii APPENDIX. 

stretching a very strong point for the purpose of making a very small 
point. 

Mr. Merrill. I believe I am not in error in any one of my state- 
ments. At all events, we have the confession that this thing wa 
its inception, but did not get to a legal condition. The purpose to 
put up that sort of a job in the Purman family was there, but it did 
not get to a full " legal condition." 

[Since this flat denial was made by Mr. Purman, the commissioner 
sent to Concord, N. H., and has received the certificate of the sec- 
retary of State, under seal, to the effect that the following, one a 
bond-investment corporation, the other a short-term endowment 
order, were incorporated in that State March 11, 1801 : — 

The Oriental Palm. Incorporators, D. S. Woodworth, now 
president of the American Protective League ; AVilliam J. Purman, 
who made the denial above, now secretary-general of the Protective 
League, and three other members of the Purman family or house- 
hold. 

The Globe Fraternity. Same list of incorporators as in the 
Palm. 

On the lodge books of the order of the Golden Lion is a list of 
original members, early members of one lodge, at the head of which 
stands the name of Wra. J. Purman, ten other Purmans, and three 
additional names, all of them members of the Purman household and 
giving the same residential address as is given to Win. J. Purman. 
The commissioner puts these facts of record against the denial of the 
aforesaid Mr. Purman.] 

Now, Mr. Chairman, what are the remedies proposed here in rela- 
tion to this matter? There is the so-called McAnally bill. That bill 
ought in all fairness to be labelled " A bill for the promotion of 
embezzlement and for the protection of embezzlers." What are its 
provisions ? If you read the bill without comparing it with the sec- 
tion in the present law, it is the most iunocent-looking thing in the 
world, but it eliminates the signature of the insurance commissioner 
from the requisitions by these corporations to enable them to draw 
their money out of the State treasury. It allows these supremes to 
go to the treasurer, and, by filing a list of the members they are to pay, 
and making oath thereto, to draw out the funds, and the requirement, 
as now, for the signature of the insurance commissioner, is kindly 
left out. Suppose that they draw out 8100,000 and steal it; under 
this bill " for the protection of the certificate holders." if they steal 
8100,000 or $500,000, they are subjected to the enormous fine of 
S200, or ninety days' imprisonment ! That is the McAnally bill. In 
the State treasury to-day, or in bank to the order of the receivers, is 
8630,000 belonging to the certificate holders in these broken and dis- 



APPENDIX. lix 

rupted corporations, every dollar of which would have been drawn 
out, and I believe three-quarters of it stolen, if the insurance com- 
missioner had not declined to affix his signature. Now, in the inter- 
est of " fraternity," and to " guard the interests of the certificate 
holders," it is proposed to let these supremes go up and get any sum 
of money they please upon their own say so, and, if they steal 
S500,000, they can be fined $200 ! 

You have another bill here, which briefly is that there shall not be 
any injunction issued against any of these corporations unless the 
insurance commissioner says so. What a curious compound that insur- 
ance commissioner is in the minds of these supremes ; " when he is 
good" — which is seldom — " he is very, very good, but when he is 
bad he is horrid." For ten months in the year the officers of these 
corporatious abuse him from one end of this Commonwealth to the 
other, and for the other two months, when they desire legislation, they 
come up here and declare that they are in danger from the supreme 
court of Massachusetts, and they set the insurance commissioner upon 
a gilded pedestal, entwined with roses, and put laurel on his brow, and 
fall down with their faces in their hands and their hands in the dust, 
and cry, "Dear, good Mr. Commissioner, save, oh, save us from the 
awful wrath of the supreme court of the Commonwealth ! " The 
supreme court can be trusted in the matter of issuance of injunctions 
in case of the West End Railway, the Boston & Albany, the Boston 
& Maine, or any kind of a corporation in Massachusetts. The peo- 
ple of this great State can trust the supreme court to act upon such 
matters, but when it comes to these dear, sweet-scented supremes, 
the insurance commissioner must be made "a bigger man" than the 
supreme court. 

But it is said the injunction mania is spreading. It by-and-by will 
attack the genuine fraternals. Well, I desire to say that the insur- 
ance commissioner wants to have no responsibility like this put upon 
him. The less you can give him to do with these assessment endow- 
ment corporations the happier he will be. I did not get an oppor- 
tunity to have a day's vacation last summer, simply because I was 
compelled, as I viewed my duty to the public, to sit in my room day 
after day during the later summer and autumn listening to the sad 
tales that came to me from the victims of these corporations. I 
could not be of much service to them, but they thought I could ; and 
I felt bound to forego my vacation and listen to their stories and 
console these people as best I could. But the insurance commissioner 
will be best pleased, the less you give him in the way of authority 
over any of these corporations ; still, if a law is to be passed which 
corresponds in any degree to what has been copied from the statute 
governing the business of assessment corporations, why stop where 



lx APPENDIX. 

the suggested bill does? This bill proposes that the supreme court 
shall be prohibited from issuing an injunction unless the insurance 
commissioner applies for it. The commissioner must first be satis- 
fied that something is wrong ; that might take a week ; then he must 
give notice of a hearing. The president of the corporation might be 
in Chicago, the secretary in New Orleans and the treasurer in Wash- 
ington. It would surely require two weeks to go through this process. 
Why, Mr. Chairman and gentlemen, during the past six months there 
has been nearly half a million dollars stolen in a quarter of that time. 
Some of the men have become adepts in this kind of business, and 
they could steal one of these corporations entire before the insurance 
commissioner could get around to them. If any such law is to be 
passed, have a statute under which, if the insurance commissioner is 
satisfied something is wrong, he can summarily stop the corporation 
from doing business ; and, if any money is received from that time, it 
should be deposited in a bank or trust fund institution subject to the 
order of the court. If you are to permit this business to continue, 
enact a law under which, in case of gross fraud, the wrong can be 
stopped at once, and the money kept secure until the matter shall be 
finally determined after a hearing in the courts of the Commonwealth. 
This is only a reasonable proposition, if anything in this direction is 
to be done. 

There is another bill here which proposes to increase the reserve to 
eighty-five per cent. I do not believe in it. That amount might be 
well enough if the officers of all the corporations were like the officers 
of some of them. There are some of these corporations for which I 
would be perfectly content to see a law enacted allowing eighty-five 
per cent. ; but the difficulty is, you must make a law for all men, and 
if eighty-five per cent, is put in the hands of those supremes, the 
" freeze out " which it is now feared may come during the closing 
period of three months might easily be thrust upon the members 
whenever it pleased the purposes of the officials. Such a bill will not 
accomplish what is sought, and it ought not to pass in that shape. 
The Iron Hall will tell you that twenty per cent, reserve is all they 
need ; they want no legislation. Twenty per cent., upon which they 
started, is sufficient. Two or three years ago these associations came 
and asked you to increase the amount of the reserve from twenty to 
fifty per cent., and the Legislature so increased it. Now they come 
and ask you to increase it to eighty-five per cent. They have had 
the law changed from twenty to fifty per cent., and now they need to 
have it altered to eighty-five per cent. It is at least a confession that 
the plans upon which they begun are utterly incapable of being car- 
ried to successful completion. 

The proposition carries a hardship, and would entail a wholesale 



APPENDIX. lxi 

lapsing of certificates of the poorer members, who entered under the 
promise or understanding that not more than a named number of calls 
would be made each year. Taking out eighty-five cents of each 
dollar assessed would leave only fifteen cents for disability claims, 
instead of fifty, as now, and consequently the calls must be made 
more than three times as often to produce the needed amount. It 
would violate the contracts, and could only be applied to new entrants ; 
and this again would be creating classes and divisions contrary to the 
law, and destroying the mutuality of the association. But even this 
proposed large increase of charges is not accompanied by any intelli- 
gent estimate of its adequacy to meet and protect the contracts ; it 
merely looks to the getting together of so much more money wrung 
from the members in excess of the contract. If the Legislature at 
this time, and with the impressive object lessons before it, is to 
attempt to reconstruct this business with a view to making its perform- 
ance possible, it should first count the cost that must be provided for, 
and then set up a standard of payments and reserve adequate, as it 
has done in case of the old-line companies, based upon some intelli- 
gent and scientific principle. 

One gentleman, a witness here, had a good deal to say about the 
economy of these corporations. Oh, it was that " forgotten man ; " 
he is the one who had something to say about the economy with which 
these concerns could be run ; they could succeed because they were so 
economically managed. I had some figures collated yesterday. It 
takes a good deal in connection with this class of business to startle 
me, but I came pretty near being appalled when I saw these figures. 
The eighteen corporations that went to pieces some little time ago 
made returns, of course, to the department only for six months of the 
year, but upon an average they lived a little more than half of the 
next six-months period. In order to get at their expense account, I 
took one-half of the expense account for the first six months of the 
year as the probability of the following three months of their life. 
Xow, gentlemen of the committee, how much do you suppose, in Mas- 
sachusetts, it has cost the certificate holders, the working people, the 
wage earners, to carry on these fifty-six corporations during the year 
1891? It cost 81,964,699, almost $2, 000, 000, for the expense ac- 
count alone of these corporations, and they collected less thau $1,600,- 
000 for the endowment and disability fund. It cost $365,000 more, 
to carry on these " fraternals, " these economical, these honest, these 
wage earners' protective societies, to do the business, than they col- 
lected of money from their certificate holders into the treasury for the 
final endowment and for sickness. 

Let me recall the corporation at the head of which was Mr. Davey, 
who did not want the " harpies " to come in, who protested against 



lxii APPENDIX. 

an excessive expense account. His nice little " fraternal" company 
spent $194,578 in expenses alone in nine months. I submit that cor- 
porations coming here asking you to continue to throw around them 
protective legislation, that come here claiming to be in the interest 
of the poor people, make a poor showing when, during last year only, 
fifty-six of them present an expense account — expenses only — of 
a trifle short of $2,000,000. Add to this, if you please, a million 
stolen — I think I am within bounds when I say a million stolen — 
by those corporations which have gone down, and tell me, gentlemen, 
if you can, why you should be asked to give even protective legisla- 
tion to this class of concerns. 

What is to be done? I gave the counsel who asked me the ques- 
tion in regard to the letter, — the famous letter, the much-quoted let- 
ter, the very widely distributed letter, the commissioner's letter. — I 
gave him answer why the commissioner might well have changed his 
opinion. I have not told him yet whether he has or not ; but, if any- 
thing is to be done, if these corporations are to go on, there are cer- 
tainly three things that should be effected in the interest of the people, 
and not of the officers. 

First of all, the penalties in the law should be very heavily increased. 
I sat in the superior court and heard a judge say from the bench, where 
three men were under indictment for stealing, I think, 830,000, that 
there was no question but that they ought to be in the State prison ; 
he only wished he had the power to send them there ; but the statute 
only provided the paltry fine of $200 for each offence. 

Mr. Collins. Make it just as strong and drastic as you please. 

Mr. Merrill. And they paid the fine and departed hence with the 
remainder of their money down in their inside vest pockets. Two 
other things should be done. I have told you how all of these cor- 
porations have contrived to make themselves a little autocracy. — 
perhaps not all, but most of them. True, they have made a pro- 
vision for a grand lodge or a representative district, or something 
of that kind ; but the} T put the membership so high or put it so far off 
in the dim distance, that the practical result is that the membership 
have absolutely no control over the corporation : and that is why, in 
the case of the dozen or more among those which have gone to pier 
the officers controlling the affairs have been able to sell them out for 
a big sum of money, and leave them to be wrecked. This ought to 
be remedied. If they are to be fraternal societies, gentlemen, you 
cannot be content merely to put in a general provision in the law that 
shall provide for representation. That won't do. The cunning of 
the officers will enable them to get around that, as the Annual Friend 
did. The members ought to be given the same right that a member 
has in the mutual life insurance companies. Every certificate holder 



APPENDIX. lxiii 

ought to have the right in person or by proxy to say who shall run the 
corporation, who shall have control of its affairs, who shall disburse 
the money, and who shall be in the management. If swindling is to 
be stopped this must be done. 

One other thing should be done in relation to this business. Mr. 
Tyng, who was one of the fairest witnesses here, so far as I have read 
the testimony, said that he only wanted to have these corporations 
subject to the same restrictions, and was willing that they should be, 
as our mutual life insurance companies are. Put them on that basis, 
and all controversy is ended. Make, as he said he was willing should 
be made, the same restrictions, and put the same safeguards around 
these certificates that you put around the policies of a mutual life 
insurance company, and, so far as the insurance commissioner is con- 
cerned, the controversy is at an end. That is something which would 
be fair, equitable, just and honest, and would protect the people of 
the Commonwealth. Just insist upon the same restrictions as to con- 
fiscations that are imposed upon an old-line life insurance company, a 
mutual company. If these corporations wish to collect from month 
to month a sufficient amount and put it in the reserve, so that at the 
end the poor man who goes in may be certain that his policy is going 
to be paid, just make that honest, equitable, fair proposition ; the 
insurance commissioner certainly has no objection to endowment 
policies upon an assessment plan. Let the poor people have them, 
but protect the poor people from that method of fraud and swindling 
and embezzlement to which they have been subjected in this Com- 
monwealth during the past six or eight months. 

If that is not to be done, there is one alternative. Either that, or 
put a lapse, a surrender or a withdrawal value upon each of these 
certificates. Massachusetts said, thirty years ago, raising her insur- 
ance banner an inch or two higher than the insurance flag had been 
raised elsewhere in the wide world, that the system of confiscation of 
the moneys paid in by certificate holders who were compelled by mis- 
fortune to lapse out, should cease from that time in all companies doing 
business under a Massachusetts charter. Massachusetts declared that, 
if two working men, employed maybe in the same shop, at the same 
bench, and perhaps at the same wages, saw fit to go into a life insur- 
ance company, if one of them, after having paid $100 more or less into 
the reserve, should, through sickness in his family, through loss of 
his position, or misfortune, be compelled to drop out, his more fortu- 
nate fellow- workman should not put his hand into the funds and con- 
fiscate to himself the money that his neighbor in misfortune had paid 
in for the protection of himself and family. Massachusetts declared 
that system to be morally wrong, and that it should be continued no 
longer in this old Commonwealth. 



lxiv APPENDIX. 

Can any gentleman tell me why confiscation from lapses should be 
permitted in the name of fraternity and against the working people 
of this Commonwealth in one of these corporations, without any 
money behind it, when you absolutely forbid one of the old-line 
insurance companies, with millions in its treasury, to do that class of 
business, upon the ground that it is wrong? 

Now, then, I repeat, either establish a reserve that is sufficient, 
mathematically, to meet these certificates, or fix a surrender value, 
so that the fortunate man may not in Massachusetts benefit himself 
by preying upon the misfortunes of his neighbor. 

Gentlemen of the committee, you have had in Massachusetts this 
object lesson of the past eight months. Some of you I know have 
not failed to see what a spirit of unrest and of gambling these corpo- 
rations have created among the working people. We hold mass 
meetings in Boston at which governors and our chief citizens are 
present to condemn with warm words the Louisiana Lottery. From 
my experience in the insurance department the past eight months, 
I believe that the Commonwealth of Massachusetts had better four 
years ago have passed a statute legalizing the Louisiana Lottery and 
authorizing it to open a branch office in the front corner of the Old 
South Church, or here under this dome, than to have enacted the 
statute that allowed this class of corporations to do business, with 
the wreck and ruin which has already come, and which in a large 
measure is to follow, if this business goes on as at present. The 
responsibility is with you. I believe the people of this Common- 
wealth who are not personally interested in these schemes are pretty 
well agreed that, if these corporations are to be permitted to continue 
business in Massachusetts, the safeguards which I have indicated 
ought imperatively to be put into the statutes of the Commonwealth. 



STATISTICAL TABLES. 



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APPENDIX. 



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APPENDIX. 



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STATISTICAL TABLES. 



lxxi 



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lxxii 



APPENDIX. 



5 » 

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STATISTICAL TABLES, 



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CO 



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lxxiv 



APPENDIX. 



C 

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STATISTICAL TABLES. 



lxxvii 



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lxxviii 



APPENDIX. 



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STATISTICAL TABLES. 



lxxix 



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to 


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lxxx 



APPENDIX. 



6 

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STATISTICAL TABLES. 



lxxxv 



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lxxxvi 



APPENDIX. 



to 

co 


3 


\c 




HI 


rl 


CO 




t3 




PQ 


3 




r3 


to 


3 


B 


H- 1 
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w 


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CO 


3 



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CO 
CO 



k 
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M 

H 
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s 


t^ 


CO 


co 


CO 


CN 




CO 


CO 


CO 


■ -. 


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o 




be 




CN 


CO 


co 


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Ci 




t— 1 


CO 


o 


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a 


o 




1 




1—1 


no 


t^ 


i.t 


o 


»o 




o 


Ci 


CO 


CN 


-o 


— 
































i - 


u 




13 


t^. 


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co 




co 




— 


CO 


■^< 


i—i 


cr. 


Q 


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Oi 


o 


CO 


CO 


o 


co 




o 


CN 


o 


^< 


EN 


CO 


"3 "° 




Si 


I-H 


t— i 


CO 


CM 


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CM 




CO 


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CO 


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CO 




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CO 


1— 1 


CI 


op 


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CO 




co 


r>- 


CO 


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CN 


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l— 


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CO 
































3 • 




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CN 




co 




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CO 






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p 














m- 
















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Ci 
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CO 


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f-H 


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CN 


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01 


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CO 


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CO 




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CO 




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PC 



STATISTICAL TABLES. 



Ixxxvii 





++ 
















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1— 1 




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s 


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ci 










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BB 


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p 


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3 



ASSESSM ENT CORPORATION S. 



LIFE, CASUALTY, FEATEENAL, ENDOWMENT. 



xc 



APPENDIX. 





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STATISTICAL TABLES. 



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APPENDIX. 



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l-H 



STATISTICAL TABLES. 



XCVll 



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, ' 


_>. 


«a 


— 


M 


DO 


s 


•< 


•-5 


>-a 




s 


S 


►^ 


S 


l-j 


'- 


z, 
BO 





5 


BQ 


•-» 




• 


• 


• 


• 


• 


• 


• 


«— r 

a 


• 


• 


— 
o 
E 


• 


• 


c 
i 


• 


• 


• 












■i 






a 






~ 






















— s 






^!T 






^—^ 














«. 








c 






a 












to 


















— 




cf 








5 

02 






= 










zi 


. 


• 


- 


Q 


• 


a 
— 


o 


• 


• 


c 


• 


p 




• 


• 


• 




o 
■ 

CO 

< 

c 
9 

pq 


o 


.2 


•ta 

s 

o 

go 
go 

< 


>> 

"© 
o 

— 


9 

o 

oo 


o 

ao 

V) 

< 
< 


Cm 

o 
q 

E 


9 

' — 

'■_ 


X 

go 

c 
cq 

"5 


cT 
5 


pq 

— i 




= 
- 

o 

X 
X 


c 

X 
X 

«< 

•a 


Q 

X 


•- 

> 

■ 


3 
- 



X 

j. 

< 


• 


— 


"5 

9 
3 

"go 

La 


CD 
CO 

< 

C 

.2* 

>• 

& 


c 
BQ 

< 

•i 


© 

— 


< 
"a 



9 
3 

>> 

•a 

= 


< 

a 

1 

>• 

a 


oS 
= 

— 

i 

o 

o 

o 

- 


O 

— 


ao 

< 

o 

- 


X 

-5 

B 

d 

o 


"3 

- 

JO 


u 


O 

B 
o 

pq 

~TZ 





< 

V- 

- 
> 

■m 


B 
s: 

— 

X. 

■~ 

•a 


■ 
■ 


3 

•a 

O 




3 


■a 


5 




— 


a 

CO 

oo 

< 


9 
1 


"3 


o 

o 


u 

E 


r 


— 


5 


— 


X. 
X 




- 




c 


T3 


O 
O 




to 

— 


_ 


9, 


-- 


_pi 


- 
— 


_ 


= 


M 




C 

a 

x 


3 

— 


o 

J. 


■a 

— 


— 


5 


kl 


O 


e3 
O 
j. 

■ 






X 


d 
o 


| 


-_ 


y. 

ja 


i 


= 
— 

_ 

- 




3 





- 


— 


im 


=; 


- 


zt 


«C 


•2 


J3 


JZ 


Q 


c 


^ 


i. 


- 




- 


pq 


pq 


- 


n 


O 


U 


o 


u 


_ 


O 


U 


U 


U 


— 


■^- 


- 



STATISTICAL TABLES. 



ci 



.3 ~ e3 



e3 








-a 








6 

3 


93 


hi 
o 

b 


8 


cm 




a 
o 






03 

3 


o 




cu 








» 


« 


e3 


B 


e 


e3 
s 


C 
03 






• 


s 


o 


8 


— 
o 

CQ 


o 


03 


W 


c 


H 


03 


< 


o 

00 


S 


= 


PQ 


<j 


- 


"cu 


CJ o3 


^ 


03 


►, 




a 


o3 


cu 


c 5 
g w 
P 


a 

03 
E 

Em 


1 


- 

c2 


-3 
cu 
C 

Em 


03 


= 

03 

P 



> •< 



•3 c 
> 

o 



P 5 



a 



05 

!> 
d 



S3 



a a 



a 
o 





►> 


• 


•o 


QQ 


o 


^ 


o 


pa 


a 


p 


B 


Sh 


03 


03 


E 


to 


Em 


-3 




w 






o 

en 

ei 

A 

E 



w 



09 



O 0-> 



c 
a 
B 

el 



O 
i-a 



. 


03 

s 


. 


. 


— 

a 

03 


. 


. 


a? 


eg 

CD 

o 


. 




— 
CO 

03 
O 

O 

— 

— 


E 

o 

<9 

!_ 

03 
3 

o 

■m 

a 
< 


on? 

— 
E 

V 

o 

pa 


00 

O 

a 

00 

a 

CO 
O 


— 
h 

'3 
Em 

•-9 
00 

cu 

i 

o3 
»-9 


d 
P 


'to 

o 

•— 

- 

cu 

> 

03 

-w 

a 

O 


3 
o 
o. 

t3 

3 
CQ 

— 
a. 
o 

CO 

O 
►-5 


-•— 
— 
ej 

a 

O 

•— 
03 
8 
C 
CD 

O 


ci* 

c 

— 
00 

o 

CO 

P 


o 
c. 

.2* 
o 

*3 

— 



>> 

cu 

s 
o 

.3 
03 

a 



o 

pa 

p a 






i 1 

■H O 

o 

i d 



* 1 

H 2 



2 

bo 

o 

cu 



P 

d 

P 



to 


— 


E3 


h 


o 

ffl 


— 

cu 
8 


£ 


P 


CO 


a 


s 


.s 


o 




— 


£ 



o 

CQ 



G 
o 

— 

CO 

O 

pa 



3 

a 
•J 



c 

1 O 
> °° 



a 

o 
«s 

CO 



n 



a 



R 

c 

3 
pq 



B 

C 

00 

■ C 

pq 



B 
O 

— 

CO 

O 

pa 



r ^a 



> 





o 




c 


c 
cu 


= * 


o 


— 


cu 


CO 


^ 


^ 


O 


e3 


o 


pa 


- 


1-1 



3 
C 
>> 



3 
3 
>> 

h5 



3 
3 
>> 



a 

cu 

3 
2 



Q 



CS l-H 

OD C35 

00 CO 



at 






00 






c 
35 



o o 

00 CO 
00 00 



^- t^ o © 

CN i— « f— I i-H 



Oi i— • i— i 



to 



to 

3 

< 



03 

B 

a 



-r- S CU 

'i »- c 

a. a. 3 



03 

a 



<U 
CO 



P Cm 



— 



— 



m r ? 



"3 3< 



X 



cu 

- 



O 

- 

Ph 

c 
o 



3 
Ph 

»- 
£ 

^> 

.2 
'5 
o 

CO 

3 
03 



— c 
tc cu 

3 aa 



*o 
o 

CO 

8 
o3 



pq 
3 



-Z -3-3 

CO -- 

3 



■ 



cu 

tt-o 

(y 03 

o 







^ 3 

>> .2 



<J 03 03 

*- !§ '5 



pa 



3 " 2 

a ii III 



CU — 






5 

5 
> 



o 
5Z5 

ci" 
to 

o 
- 

3 
O 

— 

CO 

C 

pa 
3" 

_o 
'S 
P 



■3 

jafl 

s 



to 

c3 





QQ 

O 

= 



-a 

03 



o 

QQ 



. o 



~ 6 • k 



« o 



o 

B 



w 



g ^ Em 





■9 

a 

CU 

pq 



-3 
B 

Bj 

pq 

cu 



o 



c 

B 

1 



t; 



S3 

b 2 



o 

CO 

- pq - 



* pa 



to .S 3 

cu 5 o O 



c 
Pm 



£ "3 

3 s 

a 3 

p a 



— 5 

.g "3 « 

P 8 & 



O 
CO 



> B 

c a 

.2 >» 

3 5 



S3 -_ 









Ph £ 

o Ph 



CU 

is 
hi 



c3 •— -3 

3 •-! o 



aj 



s 
8 

u 



pq 



.2 P 

Cm -8 

— Pn 



3 

a 

8 8 

8 8 

t»> >, 

P P 



.3 

H 

8 
8 



*< 3 



ci 



-.SO 
B <* •- 



B 
cu 
"O 

ci 

a 



03 .a .3 



- <3 



pq 
«3 

B 
*-> 
B 

a 



2 

ci 

a 



Cll 



APPENDIX. 



"3 

s 

B 

"■+3 

a 
o 
O 



6 

- 

H 









73 














E 
















b 

to 
c 

w 
o 
as 


a 

o 

73 

tc 
a 
o 

■ 
- 

§ 

o 


"3 
oj 

co 

e 
"5 

Hi 


"3 
<E 
oo 

s 

a, 


00 

O 

•-» 


5 
o 

6 

S 

3 

Q 

Hi 


^CJ 

"3 
CO 

00 

O 


00 

>> 

E 
O 

3 


B 

O 

00 

E 
M 

i 

H 

-< 


B 
O 
00 

B 

"3 

"3 




es 

H 


to 
E 

O 



O 


O 
on 

a, 

a 

CO 

B 

.2 

1 


to 
q 

6 


— 
'B 

03 

pq 

an 

5 

•-s 


3 

CO 

if 

M 



s 

pq 


1 

l 


7J 

I 

SB 


3 

3 

5 
O 

■ 

Si 

9 


a 

s 

E 
1 




















•** 
O 






1 


M 


1 


1 


. 


. 






B 














O 














an 




a 


• 


B 

a 


• 


• 


• 


o 


43 


B 




• 


^~ 




E 









— 


6 
Ph 


en 
id 

*c 


d 

00 

3 
CJ 

73 


oo" 
O 

- 


— 
CJ 

00 

oo 

=3 

o 


o 

W 

00 

'3 


3 

P5 
< 


- 

Ph 

00 

3 


O 
00 

,5 

6 

03 

■-s 

"3 


"o 

— 

r-l 

<o 
tr. 


B 

> 
O 

.la 


2 
u 

Si 

3 
O 


1 


'3 



- 

— 



1 


l 


B 

pq 

■ 



>i 


— 

— 
— 

Si 






73 
E 


73 


pq 
•J 


<5 

6 


E 

i 
E 
Em 


a 

03 




> 

tc 

E 

t-H 


fa 



O 


- 

Ph 




1 


CJ 


1 


1 


^ 

< 


"5 


O 












73* 








E 




























— 








O 
















08 












o 
























o 












— 








00 


X3 


fa 












O 










gt 


73 








O 


— 


-2 

an 












hH 


ej" 


n 


■i 


a 


E 


O 


73 


■k 


M 


pq 


3 


M 


B 


n 


M 


>". 




o 


B 


E 


B 


O 


— 


E 


E 




a 


O 


3 


- 


E 


3 




00 


O 


O 


O 


00 







O 


O 


J3 


E 





O 


O 


2 


C 


CJ 






— 


— 


-*-» 


73 


> 


^— 


■4^ 


— 


— 


fa 












S 


00 


00 


00 








00 


CO 


3 


>> 


O 


CD 


CO 


00 


00 








O 


O 


O 


3 


o 


i 


O 


O. 


O 


* 


O 







C 


3 




6 


PS 


pq 


pq 


— 
— 1 


J5 


pq 


pq 


CO 


- 


pq 


p: 


pq 


- 


c 






$ 


00 


CS 


10 


o 




SJ 


cs 




eo 


O 





00 


1^: 


O 


■*z 


^3 


o 


t^. 


00 


t— 


o 


00 


00 


00 


c; 


3C 


CD 


C5 


30 


r>- 


s 


X 


CJ 


00 


00 


00 


OO 


00 


30 


00 


00 


00 


30 


3C 


00 


00 


00 


oo 


X 


DC 


t- 

c 


00 


CS 


1— 1 


00 


»o 


o 


-r 


a 


■**• 


"<* 


M 


•* 


CS 


CS 


CS 


CS 




Q. 




i— I 




1— c 


— ' 


CS 






CM 


CS 


CS 


1— 1 








•- 1 


CJ 


O 

o 

a 


B 

oo 

Hi 


"3 

Ph 




— 

e, 
cj 
CO 


si 

■ 


> 

o 

S5 


3 

<5 


•s 

3 

•"9 


a 


E 
03 


fa 

- 






Hi 


tc 

3 

<3 




i 

= 


> 

z 


>> 

1 












3 




















00 








. 


. 


. 


. 


.2 


. 


. 




. 


. 


. 


. 




. 


=3 
O 

3 


. 














'3 




















03 








c 








o 




















fa 








o 








oo 

00 


# 


. 




. 




, 


. 






^ 


, 






1 








< 




















cf 

3 








3 








"oo 




















to 








O 








U 




















c: 








00 

00 

< 








E 

e3 

XI 




















03 
O 








— 


" 








" 






E* 


' 


* 








73 








CO 
E 
o 








£ 








O 

'3 


on 

00 

< 

"3 
'3 

BH 

E 
O 

pq 
73 

S3 
O 
fa 

"S 

- 

>. 

E 

"5 
O 


a 






:>", 




E 
fa 


X 

"o 








pq 

a 

d 

6 
O 


'3 

5 

CO 


E 

o 

— 

.5 
"3 
o 

00 

>— 

.2 


E 

_o 

"3 

o 

oo 

oo 

< 

73 


E 
cS 

"on 
fa 

av 

E 
u 

93 
pH 

Ih 

O 


E~ 

5 

.2 
"3 

o 

00 


G 

2 

"3 


00 
00 


00 

1—1 

~~ 

1—1 

a. 



s 
.2 
S 


on 
on 

< 

73 

73 


E~ 

— 

.2 
"3 
c 
v. 

CO 

SB 


« 

"3 


X 

d 

E. 
O 
an 
O 


c 


D 

<-» 

V 

fa 

O 

E 

E 

# o 

4>d 

=3 

'3 


■4-3 

3 

2 

an 

Si 

O 

5 

CO 

£> 

73 


• 


3" 

'— 
— 

"3 


an 

CD 

< 
_ 




J50 
S 

6 

fa 

pq 
r-" 

a 


73 

3 
*j 
3 

"on 

a 


"oo 

— 
cj 

— 

00 

E 

i 

oo 

73 
O 


< 

"3 

3 
3 

B 
cj 

"o 

— 
O 

e 


00 
CD 

cj 
fa 

O 

73 

E 

83 

X 
cj 
on 

5 

73 


00 

< 

O 
Ph 

73 

73 
O 

pq 


« 



E 
CJ 

pq 

73 

E 

To 

E 
- 


CO 

O 

'3 


CO 

E 
03 

'to 
o> 




73 

E 
3 
— 

E 
O 
fa 

73 

00 

a 


E 
O 

pq 

"5 

3 
— 

3 

E 


CO 

on" 

B 

.2 

E 

=3 
3 

"an 


"3 


CO 

73 
< 
"3 

-S 

1 

jd 

an 




CO 
CO 

< 

3 

03 

— 

03 

J3 
CJ 

Si 

O 
P 


.2 
'3 


CO 

of 
fa] 

CJ 

E 
=3 
>» 

O 
> 


pT, 

CJ 

— 

73 

E 
S3 

CO 

an 

CJ 

Si 

to 


_JJ 

"3 

'= 

CJ 

E 





c 

a] 


u 

cj 


— 


— 

cj 


73 





73 


s 




>» 


O 


"o 


=3 

Si 


•<J 

fa 


O 

Si 






s 


s 


2 


S 


s 


* 


» 


Z 


O 


- 


- 


Ph 


Ph 


Ph 


Ph 


- 


5 



STATISTICAL TABLES. 



cm 









^ 


. 






c 
















CD 










© 


a 
o 

CO 

3 




© 

-CO 

S3 


73 

CD 
C 
Sh 




S3 
CD 


o 

CO 

S3 

u 

— 
3 

W 

00 

C 
H 




— 

•d 


-d 
o 

o 


si 






CO 

CD 

> 


3 

o 
s 


3 

.2 


— 


© 

3 
O 




>> 

Q 


.3 
O 

Ph 

•d 
© 


S3 


- 

H 

S3 


CD 

P 

6 


o 

c 
o 

.3 


CD 
E 

o 

I-H 

— 


3 
O 

CO 


CD 

CO 


o 

- 

Ph 


S3 
Ph 


oo 
<D 

3 

B 

3 


o 


e3 
O 

CD 
Sh 
<D 


P 

b 


03 
© 


^CD 

"3 
Ph 
© 

a. 




.2 


eS 

a, 

02 


.2 


CD 

S3 

a 

03 
00 


S3 

o 

Ph 


a 
o 

w 


c3 
- 

< 


o 

— 

O 


CO 
CD 

a 

03 

►-9 


CD 

3 

a 

03 
00 


— 
c 
o 

CO 

o 


8 


-3 

34 

CD 

CO 

O 

H3 


3 
C 
CO 

p 


Ih 
<D 

O 


3 

3 
« 


© 

CO 

B 

a 


















-d 






s-T 

CD 




CD 






























c 






to 


^ 


u 

.2 
'Si 


o 




T5 


>, 


O 








s 






2 
"3 




a 

a 

CD 
CD 

CQ 

c 

CD 

w 


o 

a 






3 

CD 

CO 


u 
Eh 


-d 

S3 




S3 

CO 


CD 

3 
e8 


Sh 
Ih 
S3 






3 
'3 

P 

Ph 
W 


'3 

a 

Ph 

a 
.a 
o 
<-> 


co 

S3 

© 

> 

w 

p 


>*> 

© 

5 

H 

Ph 


«M 

S3 
CD 
CO 

O 

Ph 

CO 

*3 
o 

P 


0? 

a 
to 

S3 

3, 

a 

03 

O 

«5 


>> 

c3 

Ph 

3 
X3 

O 
•-a 


to 

c 

'—t 
(h 
e3 

S5 


s 

s 

■»-» 
o 
PQ 

i> 

Ph 


CD 

6 

fcfi 

3 
M 

HH 


CD 

Ph 

Ph 
— 
y 

CD 

O 

Ph 


S3 
HH 

00 

— 

CD 

CO 

O 
>-> 


3 
Ph 

EH 
p 
-d 

CD 

Ph 


CO 
B 

o 
Ha 


5 

Si 

p 

.3 
3-i 
CD 
co 
O 


(D 

Ph 

CO 
CD 

a 


u 

>> 

X3 
— 
O 

3 

EH 


CO 
© 

P 

.2 
o 

P 




































■d 


co" 






• 


• 


• 


• 


• 


• 


• 


• 


• 


• 


S3* 
O 


cT 


• 


• 


Sh 


• 


Ih 

c2 


S3 
Ph 


• 
























o 


*> 




3 


> 




-d 
© 


CO 






s 


s 


c 


© 


3 


S3 




• 


3 


3 


PQ 






Ph 


3 


P 


Ih 
© 
3 
Sh 


3 




o 


o 


o 


co 


o 


O 


S3 
P 


a 


O 


O 




CD 


<D 


3 
3 


o 




O 




en 


CO 


CO 


© 


CO 


CQ 


CO 


— 

CO 


00 


fl 


£ 


^j 


— 
:o 


st 


CO 




O 


O 


O 


^ 


O 


O 


>-> 


83 


O 


O 


03 


o 


o 


03 


s3 


O 


© 


3 


O 




P 


- 


- 


O 


Ph 


Ph 


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CV1 



APPENDIX. 



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55 


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2 

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!- 
CJ 

3 

X 


- 
2 

| 



STATISTICAL TABLES. 



cvn 



of 


1 


i—i 

CO 
1— 1 


"<f 


o 

1—1 




r— 1 

i—l 


■^ 


ft 




GO 


CO 


eo 


■* 
■* 


CM 

I— 1 


eo 


l-H 
i-H 


l-H 
l-H 


© 


l-H 


© 


no 


CM 


CD 


CM 


i—i 


CO 


CO 


IO 


oo 


CD 


00 


00 


CD 


CD 


CM 


t^ 


-* 


»o> 


© 


CM 


ira 


cm 


iC 


CO 


(M 


h~ 


CD 


i—i 


i— i 


CO 


OS 


o 


CM 


CM 


l-H 


CO 





>o 


IO 


CM 


CO 


GO 

i—l 


i—i 


CO- 

cm" 


© 

co" 


CO 


CM 


i— i 




CO 


CM 


i— i 


l-H 

cm" 


°1 

r-H 


i-H 


ia 


cd" 

l-H 


eo_ 

I-H 




CM 


CO 


eo 


i— < 


-*< 


CM 


o 


o 


t>- 


o 


CO 


GO 


«5 


CM 


CM 


OS 


-* 


GO 


OS 


>* 


00 


rt< 


o 


co 


UO 


CO 


CO 


-*l 


CD 


I—l 


1— 1 


t^ 


CO 


CD 


iO 


«* 




CD 


CO 


r^. 


•** 


CM 


CO 


cp^ 

co" 

i— i 


i— 1 


f-H 
CM 


■"1 

CO 


CD 


CM 


1— 1 




^ 


CM 


i—i 


°1 
cm" 


°1 

i-H 


l-H 


*a 


OS- 

-hh" 

r-H 


cm" 

© 


CO 


© 


i—i 


o 


iO 


© 


CM 


■—I 


lO 


00 


f— 1 


o 


CM 


O 


i— i 


o 


t*. 


OS 


CO 


© 


■»*< 


GO 


co 


© 


© 


t-» 


t^. 


o 


i— I 


I— 1 


1— 1 


eo 


i—l 


co 


00 


-* 


os 


CD 


-f 


T*< 


t^ 


t-^ 


l-H 


l-H 


3^- 


CO 


OS 


I—l 


CD 


r- 1 




CM 


i— 1 


CM 


CD 


l>- 


l-H 


00 


CD^ 


00^ 












































i-T 




HO 






CD 


I—l 








CO 


!— 1 




CD 
i—l 


00 

l-H 






0" 
۩= 


>to" 

© 

§9> 




o 


(M 


-* 


OS 


o 


CO 


OS 


i— I 


CM 




t^ 


00 


CO 


■^ 


00 


CO 


i-H 


GO 


© 


© 


lO 


co 


© 


CM 


eo 


t~- 


h~ 


i—i 






o 


CD 


CM 


CO 


CM 


eo 


-<*< 


l-H 


•* 


CM 


■*» 


©_ 


co" 
<§©= 


^ 


cm" 


I—l 

© 


CO 


i— I 




1 


CO 


i—l 




cm" 


CO 

l-H 




-* 


06" 


c» 

oo" 

© 

I-H 


CM 


CO 


(M 


CO 


i—l 


CO 


«o 


"* 


CO 


O 




o 


i—l 


h- 


,_, 


o 


00 


CO 


t— 


© 




CM 


© 


CO 


CO 


OS 


eo 


CM 


TH 


i—l 




1—1 




t~ 


o 


o 


CM 


00 





© 




°l 


CO 


I—I 


CM 


1—4 


cc 


<* 


CD^ 


i— I 




eo 


■** 


^ 


o 


o 


CM 


l-H 


10 


© 










€£ 












1 




















| 


t— t 


CO 


1— ( 


I— 1 


o 


t^ 


i— T 






CO 


CO 




CD 


o 




CD 


CD 


-HH 








CO 






^F 
















>3 


l-H 






CO 


•H^ 








CM 






























l-H 


°°~ 








€& 






























۩= 


cm" 




CO 


TH 


CO 


CO 


o 


,_, 


CO 


os 


CM 




© 


o 


CM 


-* 


t^. 


o 


CO 


00 


i-H 


© 


1— 1 


<M 


CO 


CO 


o 


lO 


CO 


CM 






CO 


Tt< 


i— I 


00 


CM 




IO 





CM 


"* 


CM 


co^ 
to" 


©^ 


۩= 


©^ 
cm" 


co^ 
cm" 


CO 






1 








I—l 


OS 






co^ 
co" 

©5= 


©^ 

©" 


CM 


© 


CO 


CO 


i—i 


"* 


CM 


OS 


CM 






_ 


00 


tJ< 


OS 


CO 


CO 


OS 


10 


CO 




Tt< 


CO 


co 


CO 


CM 


OS 


b~ 


■»*< 






■>*< 


o 


t^ 


OS 


t>- 


CD 


o 


00 


>o 




CM 


-*l 


CO 


1— 1 


•a 


© 


o 


i—l 






irj 


CO 


•«*< 


t^ 


T*< 


CM 


°1 


©^ 


eo^ 










€©• 










| 
























I— 1 


CO 


HO 


r*H 


o 


CD 


i— I 




1 


r* 


CO 




co" 


o 




t>r 


co" 


a? 


1 






t^ 






■*J« 
















o 


l-H 






CO 


CM 








CM 






























i-H 


© 








۩= 






























<^ 


co" 




<M 


CO 


CO 


CO 


t^ 


^. 


OS 


i—i 


CO 


1—1 


?— i 


eo 


OS 


CO 


00 


O 


GO 


CO 


l^ 


l>- 


© 


OS 


1^ 


CO 


t^- 


CO 


GO 


O 


CO 


1— 1 


CO 


Tj< 


Tj< 


CO 


CD 


OS 


<M 


CM 


CM 


O 


© 


t~ 


© 


I-H 


t"- 


CM 


OS 


CO 


CM 




CM 


00 


CM 


l-H 


F— 1 


l-H 


CM 


l-H 


Tj^ 










۩= 


































?-H 




© 




o 


I—l 








CM 






o 


■* 






t-~ 


©" 






1 








I—l 
















I—l 


l-H 






Tt< 


l-H 






1 


i-H 






























& 


© 






1 


۩= 
































۩= 












t3 




d 


• 










3 


\ 














• 


• 




-t-J 

Cfl 

cu 

c 


-a 
o 

a 


*« 


o 

CO 
0J 

in 
03 


of 

o 

CO 


S 

CO 

o 


a 


"CD 


d" 

d 


O 

■u 
CD 
CD 

d 

'> 
o 

In 


a 

cc 
bo 

.5 


u 
<o 

•*-J 
en 

CD 
CD 


c 

CD 

a 


• 




• 


• 


• 


m 




pq 

3 


o3 

— 

■4-3 

o 


■*j" 


^3 


SI 


O 


13 


o 


t>. 


*£ 


O 


> 


• 




• 


• 


«t-T 






c 

CO 


O 

cd 


O 

♦a" 

cc 


Q 

■•-T 

cd 


CO 

cd 


cd 


f\ 

cd 


Ph 
cd 


CO 

«t-T 


c*-T 


o 

u 

Ph 

a 

d 

03 


a 
o 

d 

p 




•• 




13 


"o 




a 


'll 


o 


<u 


OS 


CD 


CD 


CD 


CD 


CD 


CD 


<o 




O 

d 




rt 


CJ 




— 
co 


<j 


d 

OS 


d 


d 


d 

CD 


3 
CD 


d 

CD 


3 
CD 


'cD 


13 






-*H 

a 


o 

'3 
o 

CO 

e3 




.3 

o 
,5 

Ph 


5 

e 
o 

CO 

O 

pq 


"3 
d 

53 

OS 
In 


PQ 

3 


PQ 

03 

S 

3 


c3 
3 
-t-a 

3 


PQ 

c3 

3 


09 
3 


PQ 

at 

d 


-i-i 

3 


Ph 

o3 

3 

3 


Ph 

o3 

3 

1 


"to 

s 

pa 

CD 


CD 

> 

'4- 



CD 

— 



H 

Ph 






w 

Cm 

O 

c 
_o 


oo" 

■4-1 

Ph 


'5 
o 

00 


CO 

CD 




C_ 

O 


CO 


CO 


? 


CO 


co 


CO 


CO 


CO 


CO 


CO 


CO 

> 


co 


OB 




"5b 
5 


«*H 
O 


o3 


+3 




°2 


O 


O 


O 


O 


_o 


O 


o 


O 


O 


O 


O 


O 







d 
03 


CO 


s 


CO 




3 


S 


£2 


~ 






s 


^n 


jz; 














s 




-a 

CO 




a> 


CO 


0) 


"« 


"aj 


CD 


CD 


CD 


"cd 


CD 


"cd 


15 


Is 




CJ 




d 
o 

c 




3 


Ph 
a 


Ph 
■a 


fc 

T3 


Pn 

a 


Pm 

-3 




-a 


a 


a 


&H 

a 


Ph 

a 


Ph 

a 


- 

a 




•— 

CD 

s 


> 

CD 


s 




03 


T3 


-3 


-T! 


T3 


r3 


•3 


a 


a 


a 


a 


a 


a 


a 




JZ 




Q 


O 


O 


o 


o 


O 


O 


O 


o 


O 


O 


o 


O 







<J 






CV111 



APPENDIX. 



*3 



o 



6 







i 


i 


1 


CO 


1 


i—i 


-«j< 


co 


1 


M 


— 


1 


>o 




1 


CO 




1681 








— < 




•a 




*-i 




M 


© 
O) 




CN 


^3 






hi sqjsaa 


































, 


CS 








^ 


O* 


^ 


C^l 


r^. 




t~- 


CS 




tQ 


t^. 






h 


X 








.—1 


W5 


o 


CN 


IQ 




»-o 


«o 




co 






iO. 












00 


i— ( 


CO 


«5 


00 




00 


© 




© 


© 






— . 






1 












1 












1 




s 


« « 








•— 1 




© 




M 






a 






















CO 










f-H 






l-H 






8 


d 

Q 




































© 

CS 








© 




© 


IM 


^H 






CO 




CN 


,H 




CN 


u 


00 








co 




S3 


O 


(M 




CS 


© 




8 


2 







o 

A 


— "" 








co 




00 


■*■ 


CO 




-*l 


CO 




© 








i 




1 












1 












1 




i 


1 a 








»— i 




<M 




CM 






r-~ 




»-H 


CO 
















CO 










i-H 






l-H 








g 


































3 


■ 




































,H 








ia 


t^ 


o 


•M 


CO 




-* 


a 




s 


r. 




Ol 




_ rrv 








© 


i-h 


<m 


CO 


5 






co 




E 














00 




00_ 


°i. 


So 




c 


e>^ 




©_ 


°i. 








w 


i 


i 


1 


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t->r 




^; 


1 




ui* 


1 


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«o 


1 






5 CO 












CO 










ex 












** 




































' w 




































6 








































































"■" 












































o 


a 





Tj< 


CO 




CS 


© 




© 


h- 




01 














© 


© 


00 


oo 




?•) 


oo 




o< 


Ol 




N 




ja 








c^ 


l-t 


t^. 




TT" 




CO 


© 




IC 


C>- 










i 


i 




















1 






1 






o 








•o 


l-H 




l-H 






00 


• 1 




t~» 


© 






M 










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CO 










^ 






co 






o 


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£ 






































































5 

E 

M 

- 










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_H 


o 


© 


O 




■»}« 


-o 




CO 


oc 




X 


s I 








<M 


CO 




1-t 


o 






co 




co 


r» 




- 








T< 


o* 


■*« 


•i 


o^ 




CN 


t— 




CO 


00 




•V 


oo "3 




i 


1 












1 






1 






1 




X 


o * 








CO 




of 




DO 




CO 


o 




t^. 


CN 






S 


* 5 








^ 




o 




V 






© 

CN 




■«*« 




CO 
















o 


© 


h~ 


o 


cs 




-* 


Lt 




co 


© 




ra 




o 








00 


© 




CS 






o 


•<*• 




t>- 


— 




•*< 




jS 








CO 


«5 




co 


00 




CS 


*i 






00 




— 






i 


i 














I 












1 






o 






1 


•Q 


*—4 


i-O 


N 


l-H 




00 


t^r 




~ 


i-O 






9 










€£= 




CO 










l-H 






CM 






X 






































*•; 


































Z 






































































a 


00 








eo 


DO 


CO 




CO 




ro 


© 




h- 


OB 




-,: 


S 


a 








— 


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kQ 




00 


© 




CO 


O) 




CO 








to 


OJ 


S 




OO 






5 




© 






— 




i 


i 








1 
















1 




u 


s 


1 






co 




l-H 




LO 


1 


CO 


© 




01 


~ 






M 


00 








i-h 




^H 




•^ 






o 




— 


— 








00 
00 

< 








•> 




t- 










CO 






CO 








© 








CO 




co 


CO 


Q 






^ 




~ 


gc 




— 
















CO 


t>- 


C<l 










eg 


oi 




CO 


1 


~ 












©_ 


00^ 








©^ 




X 


06 






' 


; _j- 


1 


• 


• 


€& 


1 


— 


I— ( 


N 


1 


1 


00~ 


1 


a~ 


co" 


1 




1 


c N 












<M 










l-H 






— 








* 
8 






















































* 








































































X 




































00 


















a 


. 


* 

S4-T 

O 




CT 


oo~ 


. 


OD 

12 




e3 
2 


















«^ 




s_ 


33 


o 


— 

o 

X 

oo 

o 

CJ 




_o 


3 


««- 


















fc 


* 
o 

h 

O 

u 

O 


■a 

o 

3 

"S 

s 

«« 


.3 

"5 
o 

00 

x: 

-< 

"3 


Si 

O 

5 

o 

E 


3 
O 

3 
P 
— 
< 


15 

d 

o 

o 

(H 

3 
O 

O 


Eh 

= 

o 

— 

3 


O 

tn 

3 
O 

O 

•3 

3 
O 


o 

tH 

6 

u 

o 
< 


00" 

OO 

O 


3" 






- 

< 


4^ 
on" 


3~ 
CC 

»^ 
B 


-- 








00 s 

3 


'3 

t- 
o 

E 


00 s 


p 


J) 

a 


X 

Ih 

— 

X 


s 

— 
an 


"bo 
u 

s 

X 
CJ 


"3 

3 
— 

a 


t- 
O 




2 


5 

3 


— 

3 


— 


"0 

Es- 


5 

— 



— 

u 

ci 










z. 


3 


X 


M 


h 


tH 


r» 














O 


o" 


o 


tH 


c3 


c 


o 


O 


O 


Lt 


c 


z 


r 


r 





i 






O 


O 


U 


P 


S 


W 


£h 


-- 


^ 


- 





O 


O 


3 


e 


— 

— 



STATISTICAL TABLES. 



cix 



1 


f— i 


1 


i 




1 


1—1 


1— «• 


1 


CM 


1 


l—l 
00 

o 
of 


1 


CJ 


CM 

I-H 


i-H 


00 
CD 
CO 


|-H 


i 


_ 


■* 


■— 1 




00 


00 


CJ 


00 


CM 


CM 


r^ 


cs 




■*» 


CD 


OO 


CJ 


00 


l-H 


r>- 


r- 


•*J< 




CJ 


■»Jt 


co 


CO 


CO 


O 


CM 


CJ 




CJ 




•o 


CD 


I-H 


CO 






1—4 


i 




t-H 


CO 


CM^ 

CD* 




.— 1 




cm" 

CO 

1-H 


1 


CJ^ 
CD 


t^ 


I-H 


CM 






o 


c© 


1—1 




CO 






CD 


o 


cj 


l~- 


CN 




O 


CM 


b- 


„^ 


o 


00 


CO 


00 


1— « 


1 


00 


1 


1 


O 
C^ 


CO 


00 


CM 


CO 

i-H 


1 


00 
OO 


*is 

CM* 


CO 

I-H 


o 
"*L 

CO* 
CM 


CM 


CM 


CJ 


lO 


O 




o 


co 


CO 


CD 


CM 


■^ 


t^ 


o 




1—1 


CD 


o 


CD 


o 


TtH 


CJ 


CO 


CJ 




o 


o 


co 


ss 




id 


Tj< 


o 




.-H 


■**< 


CM 


i—i 


CO 


CO 


iH 




00 




00 


CM 


I— I 






Tt< 


o 




CM 


O 


CO 


»o 




I-H 












































CM 




i— i 






CO 








o 




r—l 






CM 

i-H 






m 


lO 


CM 




r^- 


CM 


CO 


o 


i— ( 


CO 


00 


CO 




CM 


00 


CM 


CD 


CJ 


t^ 


<M 


■* 


r>. 




b- 




oo 


CD 




CO 


CO 


t<- 




O 


-*<" 


">* 


CO 




-«*< 


I-M 


cm 


Tj< 


i 


o 


">* 


00^ 

I-H 


•** 




CM 


CM 




1 


00 

cT 

CO 


00^ 

cT 

i-H 




f— 4 

CO 
CO 




l-H 


»o 


o 


CO 




o 




-* 


o 




o 




o 




o 


CJ 


00 


o 


o 


o 


CN 


T»< 


CM 




"* 




a 


o 




•^ 




o 




o 


CO 


CO 


o 


CM 


CM 




<M 


1—1 


i 


CM 


1 


CM 


© 

CO 

i— I 


1 


1— 1 


1 


r>* 

o 

-^* 


1 


o 

CJ 
CJ 


CO 


I-H 


CM* 

CO 






-* 


CJ 


<M 




oj 


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lit 


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STATISTICAL TABLES. 



cxi 



1 


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CO 


1 


CM 


1 


1 


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CM 


CM 


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1 


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1 


CM 


1 


H 


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co" 












i-H 


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to 


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o 


CO 


OS 


CO 


1 C5 


»o 


CO 


© 


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CM 




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CO 


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>o 


■* 




CO 


-* 


CM 


OS 


CO 


CO 


© 


»o 


© 




tO 


■* 


CM 




i— i 


co^ 
co" 


l-H 




l-H 


1 


CM 


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I-H 


i—i 
CM 


CO^ 

co" 

CM 


1 r» 




CO 




1— 1 


I 


CO 


I-H 


l-H 




i— 1 


o 


■* 


t^ 


o 




CO 


© 


CO 


o 


10 




CM 


© 


CO 




© 


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CO 


t-- 


to 


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■* 




CO 




CO 


to 


00 




1— t 


© 


CM 




i— 1 


I— 1 
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1— 1 




l-H 


1 




CM^ 

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co^ 
of 

CM 


tO^ 

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CN 


co" 

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1 


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1— < 


1 


00 


I-H 


l-H 




t>- 


CO 


o 


CO 


o 




tO 


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CO 


t^ 


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CM 


CO 


t- 


CO 


to 




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ta 


ta 


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© 


1—1 


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CM 


t-t! 


CO 




CO 


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CO 




t>- 






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CO 


t^ 


CM 


CM 


00 


CM 


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CM 
























^ 


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1 












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CO 


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n 


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1 


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CM 


g 


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CO 


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P 




<5 


m 


- 


PQ 


« 




pa 


P3 





CX11 



APPENDIX. 






— 

a 

o 

O 



o 

PQ 



1 




(M 


© 


l-H 


-* 


i-O 


■>h 


i 


i 


CM 


l-H 


^ 


CI 


1 


1 


1 


■M 




T68I 






1— • 


















l-H 










ni 


BqjB3(I 




































s 


CO 


•** 


© 


© 


Ci 


t-» 


oc 




co 


Ol 


CM 


■—I 


CM 




a 


© 


u 


B 


© 


© 


(M 


oo 


CM 


»o 








k>. 


CO 


t>- 


CJ 




— 


~. 




=. ** 


-<H 


CM 


CO 


o 


■"" ' 






i 


•""■ 




l-H 


©^ 




| 






i 

5 


■5 a 




i— i 




















l-H 










s 


o 

B 




































© 


r>- 


o 


l-H 


CO 


•<*« 


->o 


CO 




«3 


OS 


CO 


00 


n 




h- 


^ 


u 


O 


— ! 


h- 


o 


CM 


iO 


t— < 






--0 




c 


-ri 




-r 




— 


.=* - 


* 


CN 


•O 


•o 


t—t 






. 


f-H 




•—' 


0^ 




| 






§ 
5 


S 3; 




i— i 




















l-H 










a 


■ 

a 




































_; 


O 


^ 


o 


© 


Bi 


t~- 






00 




CM 


l-H 


— 




^ 


CO 




o 


■* 


eo 


is 


1— 1 


•^ 


•^ 


o 




t>- 


eo 




O 


CO 




M 


3_ 


a ; 


c^ 


QO 


© 


eo 


ri 


CM 


o 






CM 


WS 


co_ 


co_ 




© 




















.- 


i 












| 






u _X 


icT 


»o 


© 


id 


CM 


i-H 






r» 




of 


cm" 










o r: 


t» 




* 


i— < 












»-H 














*^ e 




































Q 






































CM 


l-H 


Ci 


2q 


OO 


CO 






-1 


CM 


CM 


l-H 


© 




F- 


t- 




Si 


CM 


r^ 


t^. 


CM 




eo 






eo 


CI 




Cj 


© 




l-H 






©^ 


Tt< 


CO 


00 


1-H 












00 


CO 












© 


r— 1 












1 


i 








l-H 




1 






CO 

H 




m 
































a 


12 


































s 




































H 






































































a 


00 09 


© 


CO 


o 




i-O 


CO 






i- 


00 


00 





00 




© 


OC 


K 


co 


CM 


eo 




o 


o 






i 


1^ 








00 






© 


id 


eo^ 


-<*< 


•* 




t>. 


1— 1 









CO 





•0 






co 


~ 










1 






1 


i 


















X 


o 2. 


eo* 


TTI 


co 














CM 




eo 










w 


►3 O 
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m 


i— 1 




















l-H 














© 


!>. 


eo 


■^ 


t"» 


1—1 


■**« 




CM 


»o 


cs 


O 


t^ 




00 


ct 






t^ 


© 




I— ( 


■^ 


CO 






■-H 


00 




O 


l-H 




— 


CM 




A 


00^ 


co^ 


o^ 


t>^ 


C5 


■«s< 


i-H 


i 




cq^ 





l-H 


l-H 


. 








Q 


co" 


1>T 


©~ 


I— 1 












of 


l-H 




1—1 








5 




■» 




CM 




























I-H 


^ 


































M 






































































eg 


09 


■* 


00 




t-~ 










t^ 




t^ 


l-H 




• 




CO 


S 




B 


f~ 


CO 




CO 










t-~ 















S 


°°« 


t-. 


| 


o^ 


| 


1 


1 


i 


ON 


1 


l-H 


©_ 


1 


| 


1 




o 


s 


•— i 


oo" 




»o 
















O 












CO 
09 

6 

09 

09 

<! 


Ofr 










• 












l-H 












© 


00 


eo 


) _ 


eo 


30 


«3 


o 




CO 





CO 


— 


»o 




CO 


i-» 




CS 

s a 


■* 


00 


m> 


C5 




!-» 


o 




■a 


CM 





C5 


© 




© 






«o^ 




© 


co 


f— i 


OB 


eo 




l-H 


l-» 


IQ 


t^. 


00 




CO 


eo 




















i 




















j » 


tJ? 


-* 


CM 


Ci 


SN 










co 




I-H 


1-1 


1 








9 C"3 


t» 




•^ 














l-H 














« 


' 6 




































U 








































































~" 
































































„ 






















• 


'a 

c 












3 
O 
























o 

ED 

X 












•— 
O 


















d 






# c 

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3 
.O 


3" 










"5 

3 










„ 


"o 






_o 






O 


_s3 

'3 










S 








S3 


43 


« 






'-3 
S3 






C 










3 








a 
to 


o 

3 

- 

ob 

_S 

T3 

■~ 

33 

o 


O 

s 

« 
a 


5*T 


ca 
o 

a 

a 

n 

'x 
E 

o 


o 

X 
X 

< 

a 
o 


13 


_~5 

a 

X 

o 

E 


< 

3 




X 
X 

-< 

-J 

S 

> 

CD 

c 


O 

— 
O 


3 
m 


— ' 

C3 

3 
O 

a 
13 


a 

n 



"3 
- 


"5 

— 
-1 

X 

3 

e 

3 




^x 

5 


"3 

a 

13 

3 






u 

& 

— 
cj 


s 

S3 


o 

_CJ 

a 


— 
Q 

S3 
o 
H 


33 

E 

Si 

s 

H 


— 

3 




3 
3 
O 

o 




a 




X 

-x. 

< 




3 
= 




h 

— 
3. 


3 


E 


•a 






d 

o 


C 

o 

— 




— 


— 

3 

— 


c 
o 


z 

X 


1 


I 


ja 


g 


Q 


flS 

X 


X 


— 
X 


3 

s 


1 






■ 


X 


X 


X 


■J. 


>> 


S3 








"3 


O 


"K 










5 


5 


C 





5 


c 


•— 


E 


3 


;2 


7- 


.3 


.3 


43 


_z 


3 






a 


a 


O 


» 


a 


pq 


a 


a 


O 


u 


O 


O 


O 


_ 


- 


_ 



STATISTICAL TABLES. cxiii 



© 


CM 


.—1 


i— i 


1 


I-H 


W3 




CM 


l—t 


1 


1 


1 


1 


i 




1 


1-H 


I-H 


»o 

l-H 


o 


o 


TH 


to 


h- 


CO 


o 


tH 


00 


CO 


© 


t~ 


© 


© 


^ 


iO 


,_ 


CO 


© 


© 


00 


l-H 


r— 


CO 


CM 


CO 


eo 




»a 


© 


CO 


TH 


CO 


I-H 


CM 


l-H 


>* 


t^. 


CO 


© 


>- 


I— 1 










i-H 




1-H 


I-H 


















'— ' 


CO 


T-* 








































T* 


CD 


Tj< 


CO 


i-H 


00 


o 


as 


I-H 


© 


h~ 


t^ 


© 


CO 




»S 


© 


CM 


© 


t— 


CO 




© 


CO 


CO 


CO 


o 




T« 


CM 


«o 


T* 


CO 






1-H 


Tf< 


t» 


eo 


© 


l>- 


i— i 










CM 




r-H 


CM 


















i-H 


CO 


1— 1 








































TH 


^ 


CO 


m 


o 




o 


o 


© 


00 


© 


00 


CM 


5* 


»o 


© 


© 


© 


o 


© 


00 


00 




tH 


CO 




CO 


T* 


o 


i-H 


T* 


r— 


«o 


© 


t^ 


o 


© 


co 


"* 


t— 


CM 


CO 




CO 






CO 








•«♦» 


CM 








I-H 


»o 


CM 


i-H 


© 










































I— 1 


CO 




t^ 












I-H 














CO 


■* 


© 




CO 




































l-H 




«ft 


CO 


>o 


t^ 


o 


CM 


o 




Tf< 


TH 


i-H 


00 


© 


© 


© 


© 


i-H 


oo 


CO 


i-H 


1^ 


CO 


CO 


CO 


CO 


CO 


I-H 






t>. 


CO 


© 


CM 


i-H 


•^ 


"* 


t~~ 


© 


© 


I-H 


!M 


I-H 




■* 


I-H 




I-H 






T* 


CM 




'—' 








co 


t-^ 


r-H 


CO 


CM 








































O 


CM 


t— 


© 






00 




CM 


© 














CM 


© 


Th 


"* 


r> 


CO 


CO 








CO 




© 


© 














CO 


00 


© 


ffi) 


o 


b- 




•f 






00 




CO 


CM 














CO 


00 


© 


© 


■** 




















' 








' 








I-H 


eo 


CO 








































o 


© 


>* 


CO 


as 


CM 


_, 




co 


CM 


t~~ 


r-» 


© 


© 


^^ 


© 


00 


oo 


© 


CO 


ID 


CM 


T— 1 


o 


as 


CO 


CM 




CO 


CO 


t» 


CO 


CM 


r-H 


CM 


© 


© 


© 


© 


CM 


O 


© 




as 












o 


CM 


CM 


I-H 




I-H 




© 


-* 


TH 




>o 
































1-H 


CM 






o 


CM 


T* 


as 






t* 




CM 






















•* 


CM 


00 


00 


o 






iO 




© 
























t~- 


CM 










as 




CM 






















© 


© 




















■ 


' 




' 












TH 


CM 








































© 


o 


o 


as 


CO 




00 


© 


t*. 


© 


© 


© 


CM 


•* 




© 


TH 


iO 


© 


TH 


00 


TH 


i-H 


CO 


as 




CO 


Tfl 


t* 


iO 


© 


CO 


O 


© 




© 


© 


00 


00 


© 


r-~ 


CO 




lO 






CO 






CO 


Tj< 


I-H 




I-H 




t-H 


© 


-* 


© 


© 










































ia 


CO 




t» 












I-H 














CM 


CO 


© 




CM 




































I-H 




* 








































a 


a 








>> 












„ 


















© 










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— 

"3 
o 

CO 
CO 

-< 

"to 
s- 
ca 

> 

03 
E 

H 

*c 


<o 
> 








o 
o 

CO 






a 
o 
'■5 






CJ 

o 


a 

.OJ 

"3 












CD 




CO 

fcO 

a 

N 
-4-> 

CJ 

3 
■*-» 

CO 

1 

S 

t> 

hi 
CJ 


cfl 

CJ 

a 

<o 

n 

a 
a 


G 
O 
+-> 

•S3 
"3 
o 

CO 
CO 

< 

"3 


■*-> 

JO 

"5 
o 
co 

a 

_o3 

*3 
1— t 

*3 


a 
eg 

1 

HH 

c 
o 

— 
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a 


CC 

<o 

a 

o 

PQ 

3 
3 

s 

a> 

E 


CB 

CD 

C 

o 

n 

a> 
E 

.o 

CD 

« 


.5 
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o 

CO 

CO 

■51 

a 

CD 

12 
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CJ 

< 
o 


a" 
o 

a 

CO 


JO 

'th 

05 

CO 

hi 

CD 

M 

JO 

'3 
o 


PQ 

o3 
hi 
JO 

»s 

a 

3 
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o 

CO 


> 

CD 

a 

CD 

PQ 

CO 

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CJ 

a 

bo 

c 

3 

o 


5 

a 
*^ 

o 

CJ 

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CO 


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3 

a 

03 

s 
s 

hH 
hi 

s 

CJ 


.2 
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o 

CO 

b 

i 


o 

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Dh 

& 

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fa 

CJ 

o 


CD 
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Pi 

CD 
CJ 

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fa 


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c 

CD 

a 
c 

03 
Oh 
CD 

ft 

CD 
hi 


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m 

CD 

a 

CD 

P3 
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3 
4a 
3 

a 
a 


cj 

s 
a 


u 

CO 

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3 

c3 


C 
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'u 


o 

CJ) 
Sh 

o 


o 

s 

a 

CD 

5 


la 

|H 

a> 


o 

is 


a 

CD 

a 


co 

c3 


a 

03 


c 

03 


o3 

a 

03 


a 

03 


a 

03 


a 

CD 

E 


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is 


fa 

a 
s 


o 
o 


CD 

p 


E 

fa 


E 
fa 


o3 

o 




C3 


CJ 


CD 

CJ 


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a3 

4-3 


jS 


5 


e3 


03 

4-J 


03 
Hi 


Q 

h5 


>, 
^ 


>. 
^ 



CX1V 



APPENDIX. 



3 

.2 

o 
O 



6 

CQ 







i 


i 


h» 


i—i 


i 


m 


I—I 


cr> 


1 


W5 


1—1 


CO 


1 


CO 


1 


i 




T681 












1—1 






















u| sqjBaa 




































1 


t^ 


CO 


CO 


t-^ 


^_ 


<M 


CO 


o 


«o 


CO 


o 


-n 


t>- 


l~ 




i - 


it 


CO 


^ 




■«*< 


»o 


co 


co 




•* 


o 


cs 


o 




CO 




CO 




a 1 






CO 






co^ 


1— 1 


CO 




CO 




r- 




t— 1 


1 




3 

33 


•5 « 












•"* 
























o 


































m 


cv 


































, 


© 

8 


CO 


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O 


CO 


l-» 


1-^ 


N3 


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CO 


— 


t>. 


1 - 




OS 




CO 


CO 




O 


«5 


t^ 


CO 






CO 


o 


ce 




CO 




CO 




.£• wm - 






CO 






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1-H 


CO 


1 


CO 




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s 

V 


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»— I 






















S 


o 
W 

Q 




































—5 


O 


CO 


O 


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1~ 


CO 


00 


■** 


r^. 


CO 


CO 


00 


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M 




M 




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CO 


OS 


co 


CS 


<X3 


cs 


r>- 


CO 


o 


C5 


1—1 


a 




K3 




00 


n ^H 




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co 




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T*< 


C5 


f^ 


CO 


°t 


co_ 




t^ 






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co" 






r-H 


cT 


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f— 1 


_r 


1— 1 


co" 


co" 




1—1 


1 






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I—I 












1—1 










< 




































o 




































Q 






































CO 




co 


■* 


efi 


OS 


r» 


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CO 


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o 


eg 


CO 


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^ 






t>. 




f— 1 


CO 


o 


CO 


CO 


<« 




as 


o 


ua 


Si 


O 




CO 




JS 


F— 1 




CO 






CO 


CO 


l-H 


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1—1 


l-H 


t*< 




l-H 




CO 


IT. 


o 


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1 








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1 




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M 

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H 






































































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o 


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CS 


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o 


00 


ft 


t>- 


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C3 


1—1 








o 


۩= 


ia 


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CO 


o_ 


"* 




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co 


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i 


co 


1 




X 


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»— I 






co" 


1—1 


1—1 




1— 1 




■^ 










W 














CM 


























x* 


i— i 


kS. 


00 


00 


o 


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C5 


00 


r~- 


CO 


CO 


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CS 




00 






b- 


o 


lO 


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i— c 


s 




■Q 


Ci 


00 


CO 


CO 


CO 


■a 








,C 


CO 


lO 


i— i 


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CO 


CO 


00 




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CO 


CO 


r-- 




r^ 




CO 


• 


O 


۩= 










1— ( 






1—1 






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1 




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00 




































p^ 


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S5 






































































M 


00 


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a 


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co 


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t^ 


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c-i 






Q 


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1 


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1 


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co^ 


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J 


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o 

00 





































o 


a 


o 


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o 


b- 


X 


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CO 


CO 




t^ 








2 S 


CO 


o 


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co 


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ac 




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CO 


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co" 






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co" 


cf 




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CO 












1—1 












1—1 










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> 




































CJ 




































q 












































« 








6 






















• 


• 


• 


a> 

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o 

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• 


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CQ 

CD 


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d 

3 


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fa 

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CO 
CO 

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o 

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fa 

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eg 

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a 

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3 
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3 

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53 
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= 

o 

pq 

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3 

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o 


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fa 

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a 


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s 


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04 



STATISTICAL TABLES. cxv 



1 


1 


1 


i— i 


«o 


i 


CM 


CM 


i— i 




CM 

i— 1 


l-H 

l-H 


l-H 


1 


CM 


i 


l-H 


l-H 


1 


1 




00 


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eo 


eo 


CM 


CM 


h- 


O 


© 


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CO 


t-» 


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O 


© 


CM 


CO 


© 


-* 


1 


>o 


to 


o 


<M 
CM 


CO 


CO 


i—i 


© 

I— 1 


i-H 


CO 

o 


© 


l-H 


i-H 


© 


CO 


CM 


l-H 
l-H 


t» 


CM 






CO 


-* 


CO 


1—1 


CM 


© 


© 


CO 


UO 


© 


CM 


t^ 




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r* 


CM 


© 


CO 


■ 


1 


T* 


>o 


© 
CM 


ITS 


t^ 


CM 

i— I 


© 

I— 1 




© 
© 


00 


1-- 

l-H 


00 


1 


CM 


© 

l-H 


© 


t^ 


CM 




t^ 


CM 


eo 


-* 


t^ 


© 


tr^ 


oo 


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CO 


CM 


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CO 


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CM 




o 


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l-H 


CO 


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1 


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CM 


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CM 


~ 


CO 


CM 




l-H 


l-H 


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eo 


l-H 


CM^ 
CM* 

l-H 


lO 


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CO 


-* 




o 


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(^ 


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O 


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CO 


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r ^ 


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l-H 




1 








CM 




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1 


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CO 




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1 


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o 


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d 

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o 

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2 

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co 


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3 

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co 


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CO 


PJ 

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CO 

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CO 


CO 

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CO 
CO 

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Ha 

4» 

CO 



CX VI 



APPENDIX. 



T3 
O 

Q 



d 

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| 


1 


1 


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1 


1 


1 


1—1 


1 


1 




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eg 


s 


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CO 




CO 


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1— 1 


1- 


s 


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l-H 


CM 


CN 


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1 


























a 


9 
C 




































35 


r^. 


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c 


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CO 


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co 


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co 




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8 


rt 


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03 


03 


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c 


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» 






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P 








CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CQ 


CO 


CO 


CO 


C -1 


— 



STATISTICAL TABLE 



CXVll 



1 




00 


i—i 


l 


i-H 


CO 


I-H 


CM 


1 


' 


CM 
CO 
CM 


i-H 

co 


I-H 


|Q 

os 

CO' 


CM 

CO 
CM 


CO 


(M 




o 


os 


~H 


*o 


«5 


lO 


CO 


-* 


CO 


i-H 


CM 


•HH 


OS 


_ 


CO 


»o 




o 


OS 


CO 


•o 


oo 


OS 


o 


o 




CO 


CM 


o 


CO 


CO 


CM 




i 


i— i 


l-H 






CO 


l-H 


I-H 




I-H 


Os" 

I-H 


oo" 

i-H 


cs_ 

CO 

I-H 


o 


OS* 


CO 

os" 

CM 

CO 


00 




•— i 


_, 


r^ 


lO 


00 


o 


eo 


OS 


1Q 


00 


,_, 


OS 


yrs 


00 


CO 


■"# 




<M 


OS 


CO 


CO 


CO 


CO 


o 




iO 


o 


CO 


CO 


00 


o 


OS 




i 


CM 


i— I 






CO 




l-H 




I-H 


00^ 

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i-H 


co^ 
oo" 

i-H 


i-H 


00^ 

co" 

id 


CO 

00** 
l-H 


CM~ 

cb" 

OS 


t— i 




OS 


CO 


CM 


CM 


OS 


t^ 


00 


QO 


a> 


« 


o 


CO 


t~~ 


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h- 


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O 


1—1 


co 


CM 


CO 


OS 




O 


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CO 


OS 


f 


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CO 




CN 


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CO 


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© 

r-H 


CM 


00 


00 
00 
CM 


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l-H 
i-H 

۩= 


CO 

o 

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co" 

oo 


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00 
CM 






CO 




OS 


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O 




OS 


OS 


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MASSACHUSETTS 

LIFE INSURANCE COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year Ending 

December 31, 1891. 



DETAILED STATEMENT OF ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY, PITTSFIELD. 

[Incorporated May, 1851. Commenced business September, 1851.] 
Paid-up Capital, $25,500. 

William R. Plunket, President. James W. Hull, Secretary. 

Income. 

New premiums without deductions, $342,394: 80 

Renewal premiums, 836,785 38 

Premiums paid by surrendered policies, 2,800 73 

Total, $1,181,980 91 

Deduct amount paid for re-insurance, 21,173 87 

Total premium income, $1,160,807 04 

Cash received for interest, 219,992 11 

Cash received for rents of company's property, . . . 19,281 25 

Miscellaneous, 823 92 

Total income, $1,400,901 32 

Net or ledger assets Dec. 31, 1890, 4,512,907 13 

Total, $5,913,811 45 

Disbursements. 

Cash paid for losses and additions, $292,201 48 

Premium notes or loans used in payment of same, . . . 1,078 52 

Cash paid for matured endowments and additions, . . . 77,636 53 

Premium notes or loans used in payment of same, . . . 822 47 

Gross amount paid for losses and endowments, . . $372,339 00 

Cash paid for surrendered policies, 212,074 51 

Premium notes or loans used in purchase of surrendered poli- 
cies, and voided by lapse, 8,663 71 

Cash surrender values, including reconverted additions applied 

in payment of premiums, 2,800 73 

Cash dividends paid policy-holders applied in payment of pre- 
miums, 169,090 99 

Total paid policy-holders, $764,968 94 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cash paid for dividends to stockholders, $1,785 00 

for commissions to agents, 137,060 24 

for salaries and travelling- expenses of agents, . 30,670 48 

for medical examiner's fees, 13,438 00 

for salaries of officers and office employees, . . 28,938 94 

for taxes and fees, 17,410 25 

for rent, 8,700 85 

for advertising, 7,095 15 

for incidentals, 23,832 74 

Depreciation, 1,876 13 

Total disbursements, $1,035,776 72 

Balance, $4,878,034 73 



Invested in the follomng : — 



Assets as pek Lei>ger Accounts 



Cash value of real estate, 

Loan on mortgage of real estate (first liens) , . 
Loans on collateral security (schedule A), 
Premium, notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, *■ 

Agents' ledger balances, 



Ledger assets (as per balance), 
Deduct depreciation from cost of real estate, . 



$429,205 01 

2,920,372 39 

374,012 00 

140,363 37 

690,950 25 

S 05 

305,062 42 

2,145 85 

15,140 39 



$4,878,034 73 
1,467 07 



Total net or ledger assets., $4,876,567 66 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent), . 

Net am't of uncollected and deferred prem's, 



$57,613 54 
90,776 71 

§148,390 25 
29,678 05 



$56,925 59 

106 25 

43,045 75 



118,712 20 



Total assets per company's books, . 



. $5,095,357 45 



1891.] 



Agents' balances, 
Bills receivable, 
Total, . 



INSURANCE COMPANIES. 

Items not admitted. 



$15,140 39 
2,145 85 



$17,286 24 



Total admitted assets, 



. $5,078,071 21 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent), . . . .$4,549,122 00 
Deduct net value of re-insured risks, 54,845 00 



Net re-insurance reserve, .... 
Matured endowments due and unpaid, 
Death losses and matured endowments in 
process of adjustment, 

Total policy claims, — 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Bills payable 



1,913 13 



36,919 00 



[,494,277 00 



38,832 13 
2,620 88 
7,330 76 
3,566 71 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 



$531,443 73 



f4,546,627 48 

25,500 00 
505,943 73 



Gross liabilities, . . . $5,078,07121 



Premium Note Account. 
Premium notes on hand Dec. 31, 1890, . . $133,263 99 



Premium notes received during 1891, 
Total, 

Used in payment of losses and claims, 

Used in payment of surrendered policies and 
voided by lapse, .... 

Redeemed by maker in cash, . 

Total, 



Balance note assets Dec. 31, 1891, 



28,112 79 



$2,500 99 

8,663 71 
9,848 71 



$161,376 78 



21,013 41 



$140,363 37 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount 

Whole life, . . . 8,626 $21,126,22100 
Endowment, . . . 2,853 6,630,836 00 
All other, .... 201 343,700 00 

Reversionary additions, . - 273,806 00 

11,680 $28,374,563 00 



MASSACHUSETTS LIFE 



[Dec. 31, 



Whole life, 
Endowment, 



Policies issued during the Year. 

Number. Amount. Total No- Total Amount. 

. 2,500 $5,855,500 00 
333 911,600 00 
2,833 $6,767,100 00 



Old Policies revived. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 
Total, . 



114 
15 
10 



$79,752 00 
15,079 00 
23,500 00 



139 



Policies terminated during the Year. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



1,673 

409 

49 



$3,613,872 00 

877,258 00 

91,500 00 

221,817 00 



2,131 $1,807,447 00 



118,331 00 
316,587 00 



11,652 $35,606,581 00 



How terminated. 



By death, . 
maturity, 
expiry, . 
surrender, 
lapse, . 

Not taken, . 



121 
37 
35 

411 
719 
778 



$314,893 00 
78,459 00 
57,000 00 
1,114,835 00 
1,505,260 00 
1,737,000 00 



2,131 4,807,447 00 



Policies in force Dec. 31, 1891. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



9,567 $23,447,601 00 

2,792 6,680,257 00 

162 275,700 00 

395,576 00 



12,521 f 30,799,134 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 



27 shares Boston & Albany R R., . 
138 " Wagner Palace Car Co., 

17 " Agricultural Nat. Bank, 
5 " Third Nat. Bank of Pittsfield, 
L. & Iron Mountain R.R. bonds, 
Union Pacific Ry. bonds, .... 
180 shares Old Colony Trust Co., . 



§5,400 00 
16,560 00 
4,250 00 
900 00 
60,200 00 
33,250 00 
28,800 00 



Loaned Thereon. 

$2,700 00 
2,000 00 

2,700 00 

50,000 00 

50,000 00 



1891.] 



INSURANCE COMPANIES. 



500 shares Jackson, Lans. & Sag. R.R., . 
10 " C. B. & Quincy R.R ., . 
28 " Berkshire Railroad, 
10 " Stockbridge & Pittsfield Railroad 
30 " Third Nat. Bank of Pittsfield, 

St. L. & San Francisco R.R. bonds, . 

122 shares Massasoit Paper Co , . 
64 ' k Pittsfield Coal Gas Co., . 
44 " Pittsfield Nat. Bank, 
75 " Third Nat. Bank of Pittsfield, 
27 " Boston & Albany R R., . 
16 " Stockbridge & Pittsfield Railroad, 
15 " Pittsfield Nat. Bank, 
15 " Third Nat. Bank of Pittsfield, 
5 " Boston & Albany R.R. Co., . 

190 " Smith Paper Co., . 
7 " Pontoosnc Woolen Co., . 

7 " Boston & Albany Railroad, . 
40 " Third Nat Bank of Pittsfield, 

5 " Springfield Gas Light Co., 
5 " New Bedford Gas Light Co., 
10 " Third Nat. Bank of Pittsfield, 

8 " Pittsfield Coal Gas Co., 

8 " N. Y. C. & H. R. R.R., . 

4 " Delaware & Hudson Canal Co., 
100 " Consolidation Coal Co., . 

8 " Stockbridge & Pittsfield Railroad, 
50 " Third Nat. Bank of Springfield, 
13 " National Mahaiwe Bank, 
12 " Stockbridge & Pittsfield Railroad, 
20 " Pittsfield National Bank, 
20 " Millerton National Bank, 
66 4i Greylock Mills of North Adams, 
10 " Third Nat Bank of Pittsfield, 

5 " Merchants 1 Nat. Bank of Boston, 
3 " Western Nat. Bank of New York 

18 " Boston & Albany Railroad, . 

10 " Third Nat Bank of Pittsfield, 

50 " Boston & Albany Railroad, 

5 " Pittsfield Coal Gas Co , 

Iron Mountain Bonds, 

12 shares Pittsfield Coal Gas Co., . 

South Pac. of Arizona 1st mort. bonds, 

Louisville, N. O. & Texas bonds, 

Kentucky Central Railroad bonds, . 

Chicago, St. Paul, Omaha bonds, . 

Richmond Terminal bonds, 

700 shares Western Union Tel. Co., 



Market Value. 

$35,000 00 
1,086 00 ' 
3,276 00 
1,170 00 } 
5,400 00 ' 
8,960 00 
19,520 00 ' 
10,240 00 
6,600 00 
13,500 00 >| 
5,400 00 }> 
1,872 00 ) 
2,250 00 
2,700 00 
1,000 00 
19,000 00 
10,500 00 
1,400 00 
7,200 00 n 
850 00 i 
700 00 ) 
1,800 00 
1,600 00 
928 00 ^ 
488 00/ 
2,600 00 
936 00 
10,000 00 
1,950 00 
1,404 00 
3,000 00 
2,400 00 
3,300 00 
1,800 00 
750 00 
360 00 
3,600 00 
1,800 00 
10,000 00 
800 00 
30,100 00 
1,920 00 
15,000 00 
8,550 00 
8,500 00 
1,170 00 
4,550 00 
58,275 00 



Loaned Thereon. 

$ 25,000 00 



15,600 00 



15,000 00 
7,000 00 
5,500 00 

16,000 00 

1,925 00 
1,500 00 
567 00 
9,500 00 
5,500 00 
1,000 00 

3,000 00 

1,500 00 
1,000 00 

700 00 

1,750 00 

750 00 

7,500 00 

3,000 00 

2,500 00 
1,950 00 
2,100 00 

2,300 00 

2,000 00 

500 oa 

7,500 00- 

500 00 

25,000 00 

1,500 00- 

25,000 00 



50,000 00 



MASSACHUSETTS LIFE 



[Dec. 31, 



12 si 


lares 


20 


it 


7 


tc 


5 


II 


7 


II 


10 


II 


Boston & 


Michigan 


22 shares 


14 


(4 


18 


II 


10 


II 


1] 


II 



Pittsfield Coal Gas Co., . 

Berkshire Railroad, . 

N. Y., N. Haven & Hartford R.R., 

N. Y. Central & Hudson Riv. R R , 

National Mahaiwe Bank, . 

Third Nat. Bank of Pittsfield, . 

Albany R.R. bonds, . 

Central bonds, .... 

Boylston National Bank, Boston, 

American Ex. Co., 

C. R. I. & Pacific R.R., . 

C, B. & Q. R.R., 

Boylstou Market Ass'n, Boston, 



Market Value. 

$1,920 00 
2,340 00^ 
1,582 00 ^ 
580 00 ! 
1,050 00 j 
1,800 00 
1,080 00 ^ 
8,470 00 I 
2,909 50 | 
1,624 00 I 
1,586 00 I 
1,086 00 j 
1,200 00 J 



Loaned Thereon. 

$1,500 00 



4,500 00 



1,500 00 



15,000 00 



$511,792 50 $374,042 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

185 shares Stockbridge & Pittsfield Railroad, . § 21, 275 00 $21,460 00 

121 " Berkshire Railroad, . . . 13,915 00 14,036 00 

200 " N. Y. Central & Hudson Riv. R.R., 20,550 00 23,200 00 

275 " Pittsfield National Bank, . . 34,540 00 41,250-00 

300 " Agricultural National Bank, . . 60,000 00 75,000 00 

250 " Adams National Bank, . . . 31,250 00 36,250 00 

40 " Commercial Union Telegraph Co , 1,000 00 1,000 00 

United States bonds, ... . 128,720 25 140,250 00 

N. Y. Central and Hudson River RR. bonds, . 31,950 00 31,950 00 

Boston and Albany Railroad bonds, . . . 55,000 00 55,000 00 

New York and New England RR. bonds, . 30,000 00 30,000 00 

N. Y., Ontario and Western Railroad bonds, . 11,200 00 11,400 00 

St. Louis and Iron Mt Railroad bonds, . . 10,700 00 10,700 00 

Berkshire County bonds, 76,850 00 7^,500 00 

Hinsdale Fire District bonds 36,000 00 36,000 00 

Pittsfield Fire District bonds, .... 61,50000 61,50000 

Pittsfield city bonds, 36,500 00 36,500 00 

Cheshire town bonds, 2,500 00 2,500 00 

West Springfield Town bonds, . . . 7,000 00 7,000 00 

Dalton Fire District bonds, .... 7,500 00 7,500 00 

Readsboro' Fire District bonds, . . . 10,000 00 10,000 00 

Westfield town bonds, 3,000 00 3,000 00 



§690,950 25 $733,996 00 



891.] 



INSURANCE COMPANIES. 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated April 21, 1862. Commenced business Dec. 27, 1862.] 

Stephen H. Rhodes, President. George B. Woodward, Secretary. 

Principal Office, 1 78 Devonshire Street. 

Income. 

Total premium income, $2,387,701 13 

Cash received for interest, 176,434 72 

as discount on claims paid in advance, . . 107 35 

for rents of company's property, . . . 8,125 16 



Total income, .... 
Net or ledger assets Dec 31, 1890, . 



. $2,572,368 36 
. 3,825,519 48 



Total, $6,397,887 84 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values, including reconverted additions ap 

plied in payment of premiums, 

Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 



$928,686 71 

3,801 55 

43,058 73 

495 27 



$976,042 26 


88 


63 


49,362 


28 


2,348 59 


900 


69 


70,329 


68 


4,836 


61 



$1,103,908 74 

605,419 21 

231,516 13 

45,445 33 

63,355 78 

30,261 93 

31,391 22 

7,624 77 



10 MASSACHUSETTS LIFE [Dec. 31, 

Cash paid for advertising, $13,632 58 

for incidentals, 46,914 12 



Total disbursements, $2,179,409 81 



Balance, $4,218,418 03 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, $849,751 67 

Loans on mortgage of real estate (first liens), . . . 1,724,707 58 

on collateral security (schedule A), . . . 32,800 00 

on company's policies assigned as collateral, . . 117,813 00 

Premium notes or loans on policies in force, .... 78,541 67 

Cost value of stocks and bonds owned (schedule B), . . 1,323,54.3 21 

Cash in company's office, 1,758 93 

Cash deposited in bank, 85,227 09 

Bills receivable, 75 00 

Agents' ledger balances, 1,199 88 

Printing plant, 3,000 00 

Ledger assets (as per balance), $4,218,418 03 



Other Assets. 

Interest due and accrued, $59,689 40 

Rents due and accrued, 6 00 

Market value of stocks and bonds, over cost, .... 5,484 80 

Uncollected premiums on policies in force, . $84,498 49 
Deferred premiums on policies in force, . . 53,653 18 



Total, $138,151 67 

Deduct loading, 39,913 65 

Net am't of uncollected and deferred prem's, . 98,238 02 



Total assets per company's books, $4,385,866 25 



Items not admitted 

Agents 1 balances, $1,199 88 

Bills receivable, ' 75 00 

Printing plant, 3,000 00 

Total, 4,274 88 



Total admitted assets, $4,381,591 37 



1891.] 



INSURANCE COMPANIES. 



11 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent), 
Deduct net value of re-insured risks, 



Net re-insurance reserve, . 
Matured endowments due and unpaid, . 
Death losses and matured endowments in 
process of adjustment, .... 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holder 
Premiums paid in advance, etc., 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



8, 



$3,979,950 00 
6,370 00 

$3,973,580 00 



. $404 00 
. 6,320 67 



6,724 67 
14,812 14 
43,194 30 

1,038,311 11 
343,280 26 



Gross liabilities, $4,381,591 37 



Premium Note Account. 

Premium notes on hand Dec. 31, 1890, 
Premium notes received during 1891, 

Total, 

Used in payment of losses and claims, 

of surrendered policies and 

voided by lapse, 
of dividends to policy-hold- 
ers, 

Redeemed by maker in cash, .... 
Total, 

Balance note assets Dec. 31, 1891, 



$84,763 10 




6,071 04 






$90,834 14 




$4,296 82 




2,348 59 




4,836 61 




810 45 






12,292 47 




, , , 


$78,541 67 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,292 $5,929,057 00 
Endowment, . . . 2,120 3,779,874 00 
All other, .... 163 322,300 00 

5,575 $10,031,231 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

317 $640,309 00 

697 1,215,704 00 

8 20,000 00 



1,022 1,906,013 00 



12 



MASSACHUSETTS LIFE 



[Dec. 31, 



Old Policies revived. 

Number. Amount. Total No. 

4 $7,895 00 
2 4,358 00 


Total Amount. 

$12,253 00 





Whole life, 
Endowment, 



Total, 6,603 $11,949,497 00 

Policies terminated during the Year. 

Whole life, ... 265 $608,947 00 
Endowment, ... 402 666,330 00 

All other, .... 40 82,000 00 





707 


$1,357,277 00 




How terminated. 


By death, .... 


102 


$205,668 00 


maturity, 


37 


43,758 00 


expiry, .... 


28 


59,000 00 


surrender, 


173 


316,641 00 


lapse, .... 


140 


230,640 00 


change and decrease, . 


13 


91,070 00 


Not taken, .... 


214 


410,500 00 


Policies in force Dec. 31, 1891. 


W T holelife, . . . 


3,348 


$5,968,314 00 


Endowment, 


2,417 


4,363,606 00 


All other, .... 


131 


260,300 00 



707 1,357,277 00 



Industrial policies in force, 



5,896 $10,592,220 00 
.476,612 $54,516,514 00 



Schedule A. 

Securities held as Collateral. 

Market Value. 

Ottawa, Oswego & Fox River Val. R.R. bonds, $ 1,190 00 

100 shares Middlesex Banking Company, . 10,000 00 

Atchison, Topeka & Santa Fe R R. bonds, . 19,975 00 

200 shares Edison Elec. Ilium. Co. of Boston, 20,000 00 



Amount Loaned. 

$800 00 
7,000 00 

25,000 00 



$51,165 00 $32,800 00 



Schedule B. 



Stocks and Bonds owned by the Company. 

Cost Value. Market Value 

Massachusetts bonds, $113,750 00 $108,500 00 

Franklin County, O , bonds, .... 15,626 50 15,552 62 

Washington County, 111 , bonds, . . . 5,225 00 5,200 00 

Marion County, Ind , bonds, .... 15,206 25 15,150 00 



1891.] 



INSURANCE COMPANIES. 



13 



Columbia County, Wash., bonds, 

Lincoln County, Neb., bonds, . 

Finney County, Kan., bonds, . 

Thurston County, Wash., bonds, 

Yellowstone County, Mon., bonds, 

Meagher County, Mon., bonds, 

City of St Paul, Minn., bonds, 

City of Elkhart, Ind., bonds, . 

City of Decatur, 111 , bonds, 

City of Yankton, Dak., bonds, . 

City of Fremont, Neb , bonds, . 

City of Emporia, Kan., bonds, . 

City of Jefferson ville, Ind., bonds, 

City of Sioux Falls, Dak., bonds, 

City of New Albany, Ind., bonds, 

City of Martinsville, Ind , bonds, 

City of Kansas City, Kan , bonds, 

City of St Cloud, Minn., bonds, 

City of Arkansas City, Kan , bonds, 

City of Beloit, Kan., bonds, 

City of Nebraska City, Neb , bonds 

City of Evansville, Ind , bonds, 

City of Chattanooga, Tenn., bonds, 

City of Fargo, Dak., bonds, 

City of Gladstone, Mich , bonds, 

City of Superior, Wis , bonds, . 

City of Columbus, O., bonds, . 

City of Huron, So. Dak , bonds, 

City of Middlesborough, Ky., bonds, 

City of Salt Lake City, Utah, bonds, 

City of East Portland, Ore , bonds, . 

City of Port Townsend, Wash., bonds, 

City of Duluth, Minn., bonds, . 

City of Wichita, Kan., bonds, . 

City of Ellensburgh, Wash , bonds, 

City of West Bay City, Mich., bonds, 

City of Astoria, Ore., bonds, . 

Town of Spencer, Ind., bonds, 

Delaware Township, Kan , bonds, . 

Village of Groveport, O., bonds, 

Village of Braceville, 111., bonds, . 

Wyandotte Co., Kan , School Dist. bonds, 

City of Seattle, Wash., School Dist. bonds, 

City of Albina, Ore , School Dist. bonds, 

City of Helena, Mont , School Dist. bonds, 

Minneapolis Gas Light Co , Minn , bonds, 

Saratoga Gas and Elec. Light Co , N . Y., bonds, 

Central Special Drainage Dist , 111., bonds, . 



Cost Value. 

$11,800 00 

4,195 00 

10,825 00 

10,700 00 

5,287 50 

10,600 00 

10,375 00 

3,590 87 

18,540 00 

8,496 25 

11,245 00 

14,700 00 

10,450 00 

14,525 00 

7,800 00 

1,005 00 

30,235 00 

10,650 00 

3,112 50 

6,337 50 

15,412 50 

5,000 00 

10,900 00 

5,487 50 

4,590 00 

10,200 00 

10,400 00 

10,000 00 

12,270 00 

9,600 00 

10,925 00 

10,000 00 

10,000 00 

5,764 77 

10,000 00 

10,197 00 

10,600 00 

5,115 00 

9,500 00 

3,645 00 

1,020 00 

5,250 00 

10,287 50 

10,675 00 

10,400 00 

10,500 00 

10,350 00 

8,207 50 



Market Value. 
§ 11,650 00 

4,160 00 
10,650 00 
10,550 00 

5,287 50 
10,600 00 
10,350 00 

3,507 50 
18,360 00 

8,840 00 
11,190 00 
14,630 00 
10,350 00 
14,365 00 

7,623 75 

1,000 00 
29,765 00 
10,550 00 

3,090 00 

6,290 00 
15,525 00 

5,000 00 
11,350 00 

5,525 00 

4,567 50 
10,000 00 
10,400 00 
10,000 00 
12,270 00 

9,600 00 
10,925 00 
10,000 00 
10,000 00 

5,764 77 
10,000 00 
10,200 00 
10,925 00 

5,050 00 
10,000 00 

3,600 00 

1,000 00 

5,213 75 
10,300 00 
10,675 00 
10,400 00 
10,400 00 
10,000 00 

8,000 00 



14 



MASSACHUSETTS LIFE 



[Dec. 31, 



The Middlesex Banking Co , Conn., bonds , 
Kansas City Real Est & Stock Ex., Mo., bonds, 
New England Mortgage Sec. Co , Mass., bonds, 
Ft Chester Con. Gas & Elec. L't Co., N. Y., bds, 
St. Paul Gas Light Co., Minn , bonds, 
Cedar Rapids & Missouri River R.R. bonds, 
Nashua & Rochester Railroad bonds, 
Lowell & Andover Railroad bonds, . 
Old Colony Railroad bonds, 
Burlington & Mssouri River Railroad bonds, 
New York & New England R.R. bonds, . 
Cheshire Railroad bonds, .... 
Saginaw Valley & St. Louis Railroad bonds, 
Chicago, Milwaukee & St. Paul R R. bonds, 
Lowell & Lawrence Railroad bonds, 
Oregon Railway & Navigation Co bonds, 
Consolidated Railroad Co. of Vermont bonds 
Quincy, Alton & St. Louis Railway bonds, 
Leavenworth, Topeka & S. W. R'y bonds, ( 
Cleveland, Col., Cin. & Indiana R.R. bonds, 
Chicago, Burlington & Northern R.R. bonds, 
Wisconsin Central Railroad bonds, . 
Atchison, Colorado & Pacific Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Strawn & Indiana State Line Railroad bonds, 
Memphis & Charleston Railroad bonds, . 
Little Rock & Fort Smith Railway bonds, 
Carolina Central Railroad bonds, 
James River Valley Railroad bonds, 
St Joseph & Grand Island Railroad bonds, 
St. Louis Cable & Western Railway bonds, 
Spokane & Palouse Railroad bonds, 
Helena & Red Mountain Railroad bonds, 
Kan. City, Memphis & Birmingham R R. bds , 
The Marietta Mineral Railway bonds, 
Kan. City, Fort Scott & Memphis R R. bonds, 
Marquette, Houghton & Ontonagon R R. bonds, 
Chicago, Burlington & Northern R.R. bonds, . 
Seattle, Lake Shore & Eastern Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds, 
Oregon Railway & Navigation Co. bonds, 
Syracuse Consolidated Street Railway bonds, 
Canton St. R'y & Lake Side St. R R. bonds, 
The Wichita Electric Railway bonds, 
DesMoines Street Railroad bonds, . 
The Chicago & Atchison Bridge Co. bonds, 
Tarkio Valley Railroad bonds, 
St. Louis & Surburban Railway bonds, . 



Cost Value. 

$10,000 00 

29,850 00 

10,000 00 

4,462 50 

9,750 00 

13,500 00 

23,125 00 

18,300 00 

1,020 00 

11,887 50 

20,862 50 

5,500 00 

19,680 00 

10,612 50 

1,115 00 

10,761 90 

4,180 00 

9,587 50 

2,210 00 

9,750 00 

1,500 00 

8,787 50 

10,275 00 

22,300 00 

12,600 00 

12,050 00 

11,800 00 

10,975 00 

10,400 00 

10,837 50 

11,742 50 

10,400 00 

10,450 00 

9,612 50 

9,500 00 

10,340 00 

9,700 00 

10,200 00 

9,500 00 

110,380 43 

9,650 00 

4,975 00 

10,475 00 

9,500 00 

10,675 00 

10,200 00 

9,967 50 

8.550 00 



Market Value. 

$10,000 00 
30,000 00 
10,000 00 

5,000 00 
10,000 00 
15,750 00 
25,125 00 
20,4< 00 

1,080 00 
13,050 00 
22,100 00 
00 
19,040 00 
11,200 00 

1,080 00 

11,000 oo 

6,954 00 
10,000 00 

1,950 00 

11,800 00 

00 

00 

8,200 00 
24,400 00 
12,600 00 
12,000 00 

9,250 00 

'10,500 00 

10,500 00 

9,100 0) 
11,000 00 
10,000 00 
10,300 00 
00 
10,200 00 
10,675 00 
10,000 00 
10,200 00 
10,000 00 
114,875 00 
10,000 00 

4.750 00 
10,475 00 

9,000 00 

10,650 00 

10,200 00 

20 00 

9,000 00 



1891.] INSURANCE COMPANIES. 15 

Cost Value. Market Value. 

Kansas City, Memphis & Birm'gfrm R.R.Vds, $1,250 00 $1,250 00 

75 shares Boston & Maine Railroad, . . 8,236 12 12,375 00 

200 " Chicago, Burlington & Qnincy R.R., 25,080 62 21,850 00 

50 " Union Pacific Railroad Co., . . 4,73125 2,487 50 

50 " Atchison, Topeka & Santa Fe R.R , 4,212 50 2,287 50 

55 " Central Massachusetts Railroad, . 5,208 25 1,815 00 

25 " American Loan & Trust Co , . . 2,550 00 3,837 50 

100 " New England National Bank, . 12,031 00 16,000 00 

50 " Tremont National Bank,. . . 5,590 50 5,18125 

100 " Continental National Bank, . . 10,150 00 13,100 00 

35 " Boylston National Bank, . . 4,362 50 4,414 37 

100 " Washington National Bank, . . 13,537 50 11,525 00 

22 " State National Bank, . . . 2,531 50 2,678 50 

100 " Boston National Bank of Seattle, . 10,000 00 10,000 00 



$1,323,543 21 $1,329,028 01 



MASSACHUSETTS HOSPITAL LIFE INSURANCE COMPANY, 

BOSTON. 

[Incorporated Feb. 24, 1818. Commenced business 1823.] 
Paid-up Capital, $500,000. 

William Minot, President. James C. Braman, Secretary. 

Office, 50 State Street. 

Income. 

Total premium income, f 131,122 50 

Cash received for interest, 65,859 35 

for commissions on trusts, .... 58,930 61 



Total income, $255,912 46 

Disbursements. 



Cash paid to annuitants, 

for dividends to stockholders, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

to Massachusetts General Hospital, 

for incidentals, 



$80,406 42 

50,000 00 

26,563 88 

7,459 74 

6,000 00 

10,000 00 

2,010 95 



Total disbursements, $182,440 99 



lv 



v ^SSACHUSETTS LIFE 



"Deo. 31, 



Invested in the following : — 

Assets as per Ledger 

: value of real estat ... 

Loans on mortgage of real estate (first lie: 
Loans on collateral security .... 

value of stocks and bonds owned, .... 

ah deposited in bank. 

Ledger assets (as per balance), 



580,109 34 
.558 38 

73JM3 08 



Other Assets. 
Interest due and accrued. . 
Market value of stocks and bonds, over cost, . 



$17,772 67 



Total assets per company's books, $ » 13 



Liabilities. 

Net present value of all outstanding policies and annuities, . £579,223 00 
Due and unpaid on annuity claim s 6,261 12 



Liabilities as to policy-holder- .... 
Surplus as regards policy-holders £44,280 01 



G.- ■?? '.:i\ .:::->. 



. $: . 770 13 



Exhibit or Policies. 



Policies in force Dec. 31, 1S91, . 
Annuities in force, 



1 
ISi 






ITS MLTCAL LIFE IXSUF. MP ANY, 

SPRINGFIELD. 



I-r^anaai n*g - ■ - 
M. T. B Ebgerlt, PresidenL 



,Bg.l,lBL] 

Johx A. Halt., Secretary. 



bOQBL 
r premiums without deductions, . 

F. :■ ■"■'.■_ ■. -.•-•.••::u«. 

Premiums paid by dividends, including additions, 
by surrendered policies, . 



Total, .... 

Dednal inwwi pail fat n > iw i m ■■i t. 

Total premium income, 



1,699,670 87 



1891.] 



IXSURANTE COMPANIES. 



17 



Cash received for interest, 

lisconnt on claims paid in advance, 
for rents of company's property, 
Miscellaneous, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



. $539,258 32 

544 71 

18,592 44 

j 50 

. $2,915,514 11 
. 10,457,602 69 

$13,373,176 80 



Disbursement-. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by laj - 

Cash surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, $16,576.14; applied in 

payment of premiums, $l9o\ 114 89, .... 
Premium notes or loans used*in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent 

for furniture and office fixtures, 

for advertising and printing, .... 

for incidental- 

for expenses on real estate, .... 



Total disbursements, 



Balance, 



$708,192 03 

12,039 99 

119,896 84 

4,746 16 

75 02 

193,74: 

48,4:89 " 

2,978 88 

212.691 03 
61,610 59 

$1,364,387 85 

333,835 98 

105,824 20 

.647 50 

80,< 61 66 

37,973 83 

18,6*3 92 

J 27 

19,383 39 

39,960 09 

15,524 85 

,9,043 54 

$11,324,133 26 



Invested in the following : — 

Assets ks per Ledger Acco 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 



$509,849 63 

4,105,091 46 

~~ > 00 

414,558 00 



18 



MASSACHUSETTS LIFE 



[Dec. 31, 



Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



Ledger assets (as per balance), 



. $569,224 76 

, 4,5 12,o29 01 

34,84o 12 
891,485 

811,324,133 26 



Other Assets 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, . . .... 

Deduct loading (20 per cent.),. 

Net ani't of uncollected and deferred prem's, 

Total assets per company's books, . 



$181,789 14 
305,170 62 

$186,959 70 
97,391 95 



$243,810 06 

2,784 28 

27,689 07 

251,544 68 



389,567 81 



$12,239,529 16 



LlABILITll 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $11,245,596 00 
Deduct net value of re-insured risks, 150,816 00 



Net re-insurance reserve, .... 
Death losses and matured endowments in 

process of adjustment, 

Claims resisted by the company, 

Total policy claims, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



£ 11,094,780 00 



852,228 50 
10,000 00 



62 ...- 
71,693 25 
1,388 50 

$11,230,090 25 
. 1,009,438 91 

§12,239,529 16 



Premium Xote Account. 

Premium notes on hand Dec. 31, 1890, . . §566,255 10 

Premium notes received during 1891, . . 137,989 92 

Total, 

Used in payment of losses and claims, . . §16,786 15 
of surrendered policies and 

voided by lapse, . . 48,489 76 



$704,245 02 



1891.] INSURANCE COMPANIES. 19 

Used in payment of dividends to policy-hold- 
ers,. f60,876 12 

Redeemed by maker in cash, .... 8,868 23 

Total, $135,020 26 



Balance note assets Dec. 31, 1891, $569,224 76 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 17,500 $51,164,202 00 
Endowment, . . . 4,615 10,636,735 00 
All other, .... 591 1,400,217 00 
Reversionary additions, . - 89,635 00 

22,706 $63,290,789 00 

Policies issued during the Year. 
Whole life, . . . 5,289 $16,145,150 00 



Endowment, ... 366 814,250 00 

All other, .... 64 289,500 00 



5,719 17,248,900 00 



Old Policies revived. 

Whole life, ... 16 $88,658 00 

Endowment, ... 4 18,517 00 



20 107,175 00 



Old Policies increased. 

Whole life, ... - $16,620 00 

Endowment, ... - 6,103 00 



22,723 00 

Additions by dividends, - 32,838 00 



Total, 28,145 $80,702,425 00 

Policies terminated during the Year. 
Whole life, . . . 2,850 $9,831,746 00 
Endowment, ... 467 987,837 00 

All other, .... 118 355,177 00 



3,435 $11,174,760 00 

How terminated. 

By death, .... 290 $728,897 00 

maturity, ... 87 122,951 00 

expiry, .... 65 143,350 00 

surrender, ... 776 2,109,970 00 



20 



MASSACHUSETTS LIFE 



By lapse, . 

change and decrease, 
Not taken, . 



[Dec. 31, 

Total Amount. 



Whole life, 
Endowment, 

All other, . 
Reversionary 


Policies in force Dec. 31, 189 

. 19,941 £57 I 00 

. 4,514 10,466,268 00 

555 1,413.148 00 

additions, . - 114,865 00 



Number. Amount. Total Xo. 

1,316 $4,433,719 00 

841,873 00 

901 2,794,000 00 

3,435 $11,174,760 00 



25,010 $69,527,665 00 



Schedule A. 
Securities held as Collateral. 



1000 shares Lack & Southwestern R R . . 
254 " Columbus, 8. & Hocking Ry. Co 

Winona Paper Co , Holyoke, 
2V Y . Rutland & Montreal Railway bonds, 
175 shares P. C. Cheney Company stock, 

5 " American Speaking Telephone Co., 

6 " N. Y. & N. J Telephone Co., . 
50 " Albany Card and Paper Co., . 

Life insurance policy assigned, 

shares Albany Card and Paper Co. stock, 
Upper Coos Railroad bonds, 
400 shares Fairfield Paper Company, 
Des Moines & Kansas City Railroad stock, 
50 shares Boston Herald Company. . 
Connecticut River Paper Company bonds, 
140 shares Hampden Paint and Chemical Co , 
70 shares United Electric Light Company, 
Dunn ft McCarty real estate bonds,. 
157 shares Springfield Fire & Marine Ins. Co 
Dunn v!c McCarty real estate bonds, . 
Dunn & McCarty real estate bonds, . 
30 shares Springfield Fire and Marine Ins Co 
People's Sav. Bank, Manchester, N.H, cert , 
200 shares New York & Pennsylvania Co , 
20 " Springfield Fire A Marine Ins. Co , 
50 " L. L. Brown Paper Company, . 
Renfrew ManTg Co. bonds, Adams, Mass , 
1998 shares A^awam Manf & Co 
500 " American Zylonite Company, 
312 " United Zylonite Company, 
100 " Wason Manufacturing Companv 
100 " Collins Manufacturing Co. stock 



j 



Market Value. 
$40,000 00 

.000 00 

.000 00 

25,500 00 

' 00 

GOO 00 

00 

) 00 

15,000 00 

62*500 00 

40,000 00 

50,000 00 

37,500 00 

78,750 00 

14,000 00 

7,000 00 

20,000 00 

35,325 00 

2,000 00 

00 

3,000 00 

20,000 00 

4,500 00 



Loaned Thereon. 

$40,000 00 

20,000 00 

,000 00 

15,900 00 

00 

00 

I 00 

00 
50,<\>0 00 
25,000 00 
40,000 00 
25,000 00 
75,000 00 

8,600 00 

5,000 00 

16,500 00 

23,000 00 

2,000 00 

5/250 00 

1 (30 
12,500 00 

4,000 00 



80,000 00 .000 00 



15,000 00 
10,000 00 



10,000 00 
10,000 00 



1891.] 



INSURANCE COMPANIES. 



2L 



25 shares Indian Orchard Company, 
100 " Citizens' Bank, Newton, Kan , 
63 " Chapman Valve Manfg Co. stock 
100 " Indian Orchard Manfg Co. stock, 
100 " Hartford and Conn. Western Co 
100 " Union Pacific Railway, . 
20 " Chicago & Alton Railway, 
Southern Central Railroad of N. Y. bonds, 
150 shares Connecticut River Paper Co., . 
20 " United Electric Light Company, 
75 " Morgan Envelope Company, . 
83 " Hartford Manila Company, . 
26 " Edison Electric, 111., 
60 " United Electric Light Company, 
60 " Nat Bank of the Republic, Chicago 
607 " Revere Water Company, . 
248 " Barre, Vt , Water Company, . 
Towanda Water Works Company bonds, 
146 shares N. H. Fire Insurance Company, 
240 shares People's Gas L't Co ,M'chester,N.H. 
Guaranty Savings Bank, Manchester, N. H., 
30 shares N. Y , N. H & H. R R., . 
12 shares Massasoit Paper Co , Holyoke, Mass. 
Des Moines & Kansas City Railway bonds, 
Housatonic Railroad Company bonds, 
400 shares Chicago June & Union St'k Yds Co 
Danbury & Norwalk Railroad bonds, 



Market Value. Loaned Thereon. 

$6,000 00 $5,000 00 



24,330 00 

4,700 00 

2,800 00 

5,382 00 

15,000 00 

2,000 00 



6,750 00 

2,100 00 

50,000 00 



20,000 00 

6,000 00 

4,000 00 

15,000 00 

1,400 00 



1 

J, 32,000 00 16,000 00 



6,000 00 6,000 00 

158,625 00 50,000 00 

62,510 00 40,000 00 



1,700 00 

1,200 00 

50,000 00 



90,400 00 75,000 00 



.,086,772 00 $786,550 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Massachusetts State bonds $100,000 00 $110,000 00 

Burlington & Mo. R.R. bonds, .... 41,648 75 41,400 00 

Chicago, Burlington & Quincy R.R. bonds, . 99,300 00 100,000 00 

Chicago, Burlington & Northern R.R. bonds, . 144,300 00 157,125 00 

Mahoning Coal R.R. bonds, .... 45,097 24 54,500 00 

Southern Central R.R. of N. Y. bonds, . . 53,490 00 53,406 00 

Lebanon Spring R R. bonds, .... 38,002 01 38,002 01 

Oregon Short Line R.R. bonds, . . . 21,91500 26,750 00 

Iowa Central R R. bonds, . . , 76,740 00 54,577 10 

St. Louis & Hannibal R.R. bonds, . . . 4,000 00 4,000 00 

Nothern Pacific R.R. bonds, .... 34,000 00 34,000 00 

Helena & Red Mountain R.R. bonds, . . 40,000 00 40,000 00 

Cedar Rapids, Iowa Falls & N. W. R.R. bonds, 50,000 00 47,500 00 

Marquette, Houghton & Onton. R.R. bonds, . 50,000 00 52,500 00 

American Dock & Imp't Co. bonds, . . 45,562 50 54,750 00 



22 



MASSACHUSETTS LIFE 



[Dec. 31, 



Canada Southern R'y bonds, 

Wabash R'y Co. bonds, 

Verdigrass Valley, Ind. & Western R R. bonds 

Boston, Hoosac Tun. & Western R.R. bonds, 

Louisville & Nashville R.R. bonds, . 

East Tenn., Va. & Georgia R.R. bonds, . 

Long Dock mortgage bonds, . 

Kansas City, Memph. & Birmingham bonds, 

Grand Rapids, Lans"g & Detroit R.R. bond-. 

St. Louis, Council Bluffs & Omaha R.R. bonds 

Des Moines & Kansas City R'y Co. bonds, 

Nashville, Chatt. & St. Louis R.R. bonds, 

St. Paul, Minn. & Manitoba R.R. bonds, . 

Maine Central R.R. bonds, 

Peoria & Eastern It R. bonds, . 

Pittsburgh, Painesville & Fairport R R. bonds 

Chicago & Northwestern R R. bonds, 

Texas & Pacific R.R. bonds, 

Chic. June R'y & Union Stock Yards Co. bds. 

Chicago & N. Western R'y bonds, . 

Rio Grande & Western R'y bonds, . 

K. C, St Jo. & C B R R. Co bonds, 

Oregon Improvement Company bonds, . 

St. Louis & S. Western R'y Co. bonds, 

Woonsocket & Pascoac R R. Co bonds, . 

Cinn , Dayton & Ironton R R Co. bonds, 
20 shares Py'n Nat. Bank, Springfield, Mass., 
34 " 1st Nat. Bank, Northampton. M 
65 " Franklin Co. Nl.B'kGreen'd, Mass., 

400 " Globe Nat. Bank, Boston, Mass , 

246 " First Nat. Bank, Chelsea, Mass , 

City of Boston bonds, 

City of Seattle, Wash., bonds, . 

Leavenworth County, Kan., bonds, 

Chautauqua County, Kan., bonds, 

Cowley County, Kan., bonds, 

Saline County, Kan., bonds, 

Clay County, Kan., bonds, 

White County, 111., bonds, 

Perry County, 111., bonds, 

Saline County, 111., bonds, 

Town of Kewanee, 111., bonds, 

Town of Douglass, 111., bonds, 

Town of Oswego, Kan., bonds, 

City of Burlingame, Kan., bonds, 
City of Topeka, Kan., bonds, . 
City of Kansas bond ^, 
City of Moorehead, Minn , bonds, 



Cost Value. 

$22,125 00 
88,315 68 
50,000 00 
43,804 00 

136,187 50 
49,062 50 

100,000 00 
26,875 00 

100,000 00 
50,000 00 
25,000 00 
50,000 00 

42.874 75 

49.875 00 
84,769 72 
47,500 00 
39,000 00 
45,300 00 

102,750 00 

100,000 00 

17,125 00 

21,000 00 

51,737 00 

41,220 00 

37,000 00 

23,875 00 

1,975 00 

3,455 50 

6,305 00 

39,900 00 

31,980 00 

200,000 00 

98,500 00 

35,339 15 

37,620 00 

50,000 00 

58,000 00 

48,000 00 

100,000 00 

12,000 00 

30,000 00 

24,500 00 

32,000 00 

28,500 00 

4,000 00 

30,000 00 

5,900 00 

10,000 00 



Market Value. 

$25,250 00 

103,250 00 
52,000 00 
46,000 00 

149,900 00 
48,500 00 

116,000 00 
19,687 50 
97,000 00 
52,500 00 
25,000 00 
55,000 00 
43,500 00 
50,000 00 
54,987 50 
47,500 00 
40,950 00 
42,000 00 
9*,800 00 

111,000 00 

20,000 00 

25,410 00 

59,500 00 

38,678 76 

37,925 00 

23,750 00 

3,200 00 

4,420 00 

6,500 00 

4U,000 00 

30,750 00 

200,000 00 

100,000 00 
35,939 15 
38,000 00 
50,000 00 
58,000 00 
50-,000 00 
105,000 00 
12,000 00 
30,000 00 
24,500 00 
32,000 00 
30,000 00 
4,000 00 
31,500 00 
5,900 00 
10*500 00 



1891.] 



INSURANCE COMPANIES. 



23 



City. of Paris, Tex., bonds, 
City of Clinton, la , bonds, 
Lancaster County, Neb , bonds, 
Henry County, O , bonds, . 
Marshalltown, la., bonds, . 
Pleasant Corner, Polk Co., Iowa bonds, 
Freeman ManTg Co., No. Adams, bonds, 
City of Holyoke notes, .... 
Wallingford, Conn , Gas Light Co. bonds, 
Council Bluffs City Water Works bonds, 
City of Fairfield, la., Water Works bonds, 
Hornelsyille, N. Y., Water Company bonds. 
National Water Works, N. Y , Co. bonds, 
The City Water Works Co. of Omaha, Neb , 
Leavenw 1 th City & Ft. Leav. Water Co. bds , 
Knoxville Water Company, Tenn , bonds, 
Marseilles Water Power Company, 111., bonds 
Chippewa Falls Water Works, Wis , bonds, 
Crookston W. W , P'r & L't, Minn , Co., bds , 
Thompsonville Water Co , Conn , bonds, 

500 shares Boston & Albany Railroad, . 

500 rights Boston & Albany Railroad, . 

533 shares Connecticut River Railroad, . 

300 " N Y., N. H. & H. River Railroad 

600 " Chicago, Burl & Quincy Railroad 

600 " Albany & Susquehanna Railroad 
1100 " Lake Shore & Mich. So. Railroad 

300 " Chicago & Northwestern R.R , 

300 "* Detroit, Hillsdale & S. West R R 
50 " St. Louis & So. Western Railroad 
20 " Oregon Short Line Railroad, 

327 " Central Iowa Railroad, . 
2500 " Leadville Power W'r MVg Co , 

280 " Silverton Water Supply Co., 
1250 " No. Poudre Land & Canal Co., 
3750 " Rio Grande Land & Canal Co , 



Cost Value. 

$50,000 00 
20,000 00 
69,970 00 
30,000 00 
29,000 00 
10,000 00 
30,000 00 
21,000 00 
19,500 00 
30,000 00 
17,575 00 
24.375 00 
97,500 00 
75,000 00 
50,000 00 
34,500 00 
5,000 00 
34,868 15 
45,000 00 
25,000 00 



9s,723 25 

53,290 50 

73,104 33 

76,362 50 

121,712 50 

32,975 00 

22,633 00 



25,229 00 

26,844 95 

13,772 55 

8,395 12 



Market Value. 

$50,000 00 
20,000 00 
70,000 00 
30,000 00 
29,000 00 
10,000 00 
30,000 00 
21,000 00 
20,000 00 
30,000 00 
19,000 00 
26,250 00 

105,000 00 
82,500 00 
55,000 00 
35,000 00 
5,000 00 
38,850 00 
49,500 00 
25,000 00 



63,771 86 113,750 00 



116,194 00 

67,500 00 

65,400 00 

102,000 00 

135,300 00 

34,800 00 

27,000 00 

1,100 00 

620 00 

13,734 00 

25,000 00. 

33,600 00 

13,772 55 

8,395 12 



$4,512,529 01 $4,764,073 69 



24 



MASSACHUSETTS LIFE 



[Dec. 31, 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY, BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1843.] 

Benjamin F. Stevens, President. S. F. Tkull, Secretary. 

Principal Office, Post Office Square. 



Income. 

New premiums without deductions, . 
Renewal premiums, .... 

Total, 

Cash received for interest, 

Cash for rents of company's property, 

Profit and loss account, 

Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



£365,893 81 
2,560,351 30 

$2,926,245 11 

960,733 43 

84,465 83 

54,482 12 

$4,025,920 49 
19,837,178 25 

$23,863,104 74 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used iu payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, . . 
Cash distributions paid policy-holders applied in payment of 

premiums, . . 

Premium notes or loans used in payment of distributions, 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for advertising, 

for incidentals, 

for accrued interest on securities purchased, . 

Total disbursements, 



$1,365,235 96 

38,565 04 

232,576 51 

4,600 49 

$1,640,978 00 
407,218 31 

47,622 07 

463,925 68 
14,109 30 

$2,573,853 36 

232,863 71 

16,423 50 

105,451 97 

51,217 91 

19,205 96 

156,729 34 

5,014 12 

$3,160,759 87 



Balance, 



$20,702,344 87 



1891.] 



INSURANCE COMPANIES. 



25 



Invested in the following : — 

Assets as Per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies Mn force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Quarterly and semi-annual premium notes, 

Ledger assets (as per balance), 



$1,733,943 04 

2,607,954 55 

2,205,573 45 

900 00 

571,857 83 

12,790,633 61 

430,800 97 

360,681 42 

120,702,344 87 



Other Assets. 

Interest due and accrued, $221,002 12 

Rents due and accrued, 12,849 16 

Market value of stocks and bonds, over cost, .... 896,329 01 

Uncollected premiums on policies in force, . $ 232,877 24 

Deduct loading (20 per cent ), . . . . 46,575 45 

Net amount of uncollected and deferred prem's, 186,301 79 



Total assets per company's books, 



$22,018,826 95 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . |19,529,984 00 
Death losses due and unpaid, .... $126,052 00 
Matured endowments due and unpaid, . . 35,911 00 

Total policy claims, 161,963 00 



Unpaid distributions of surplus due policy-holders, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



88,465 84 

$19,780,412 84 
. 2,238,414 11 

$22,018,826 95 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1890, . . $577,577 21 
Premium notes received during 1891, 

Total 

Used in payment of losses and claims, 

of surrendered policies and 

voided by lapse, 
of dividends to policy-hold- 
ers, 

Redemed by maker in cash, .... 
Total, 

Balance note assets Dec. 31, 1891, 



698,006 88 

$43,165 53 

47,622 07 

14,109 30 
598,829 36 



$1,275,584 09 



703,726 26 
$571,857 83 



2$ 



MASSACHUSETTS LIFE 



[Dec. 31, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 9,960 $29,032,099 00 
Endowment, . . . 17,906 52,258,263 00 
All other, .... 753 2,134,447 00 

28,619 $84,024,809 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

$9,445 00 

. 3,537 10,594,310 00 

14 00 



3,537 10,603,769 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

19 $53,818 00 

25 58,000 00 

1 10,000 00 



45 



121,818 00 



Whole life, 
Endowment, 



Old Policies increased. 

$17,170 00 
132,214 00 



149,384 00 



Total, 32,201 $94,899,780 00 

Policies terminated during the Tear. 

Whole life, ... 387 $1,369,79200 
Endowment, . . . 1,845 5,778,384 00 
All other, .... 140 395,307 00 





2,372 


$7,543,483 00 






Horn terminated. 




By death, . 


432 


$1,353,400 00 




maturity, 


99 


251,609 00 




expiry, . 


128 


352,800 00 




surrender, 


807 


2,099,771 00 




lapse, . 


537 


1,373,500 00 




change and decrease, 


1 


1,020,903 00 




Not taken, . 


368 


1,091,500 00 








2,372 


7,543,483 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1891. 
. 9,592 $28,342,740 00 
. 19,623 57,264,403 00 
614 1,749,154 00 



•29,829 $87,356,297 00 



1891.] 



INSUKANCE COMPANIES. 



27 



Schedule A. 
Securities held as Collateral. 

Market Value. 

4 shares Freeman's Nat. Bank of Boston, . $400 00 

Huntington Avenue lands certificates, . . 39,000 00 

25 shares Chicago, Burl. & Quincy R R , . 

80 shares Atchison, Topeka and Santa Fe R R. 

Policy of life insurance, .... 

150 shares Grand Avenue R'y, Kansas City, 

39 " Metropolitan St. R'y, Kansas City, 

55 " Boston & Albany R R , . 
Eastern Railroad Co. bonds, 

Mortgage note, 

New York & New England R R. bonds, . 
Burlington & Mo. River R R. in Neb bonds, 
Ogdensburg & Lake Charaplain R R. bonds, 
250 shares Rensselaer & Saratoga R.R , . 
Oregon Improvement Company bonds, . 
Rio Grande Western Railway Co bonds, 
100 shares Flint & Pere Marquette R.R , . 
600 " Missouri Pacific Railway, 

33 " Atchison, Topeka & Santa Fe R.R 
Atchison, Topeka & Santa Fe RR. bonds, 
Huntington Avenue lands certificates, 
Atchison, Topeka & Santa Fe R.R. bonds, 
10 shares Mercantile Loan and Trust Co , 
Conn. & Passumpsic Rivers R.R. Co. bonds, 

100 shares Fitchburg R R Co., 

100 ' 

500 « 

300 ' 

862 ' 

200 ' 

40 * 

1100 « 

90 ■ 

50 » 

700 « 

400 ' 
1000 ' 
2873 ■ 

600 ' 



4 Globe Nat Bank of Boston, . 
1 Chicago & Eastern Illinois R.R 
' Norwich & Worcester R R , . 
' Union Stock Yards Co , Omaha, 
' Union Stock Yard Bank, S. Omaha 
1 First National Bank of Omaha, 
' Chicago & N. W. Railway Co , 
' Third National Bank of Boston, 
' Boston National Bank of Seattle, 
' Oregon Ry. and Nav. Co., 
c Metropolitan St. Ry. of Kan. City 
1 Kansas City Stock Yards Co , 
1 Somerville Horse Railroad, . 
' Chicago & N. W. Railway Co., 
Fort Worth and Denver City bonds, 
Iowa Central Railway, .... 
St. Louis, Iron Mountain & Southern Railway 
Fort Worth and Denver City, . 
150 shares Grand Avenue Ry., Kansas City, 
100 " Metropolitan Street Railway Co., 



•2,728 13 

3,610 00 

3,566 95 

6,750 00 

3,510. 00 

10,958 75 

3,600 00 

5,500 00 

60,250 00 

17,400 00 

14,700 00 

42,500 00 

10,250 00 

12,000 00 

8,600 00 

37,500 00 

1,489 13 

2,322 50 

30,000 00 

11,665 00 

1,050 00 

3,596 25 

8,150 00 

10/00 00 

51,375 00 

51,900 00 

84,476 00 

40,000 00 

12,000 00 

127,325 00 

9,450 00 

5,250 00 

58,100 00 

36,000 00 

120,000 00 

186,745 00 

69,450 00 

62,700 00 

39,993 75 

19,780 00 

1,960 00 

6,750 00 

9,000 00 



Amount Loaned. 

$300 00 

8,762 07 

1,800 00 

4,000 00 

5,000 00 

8,000 00 

3,000 00 

1,000 00 



125,000 00 

15,000 00 

25,000 00 
3,200 00 

18,496 38 

10,000 00 

3,000 00 

15,000 00 

37,500 00 
40,000 00 

50,000 00 

100,000 00 
13,000 00 

37,000 00 

20,000 00 

100,000 00 

158,015 00 

100,000 00 

50,000 00 
10,000 00 



28 



MASSACHUSETTS LIFE 



[Dec. 31, 



500 shares Stale Street Exchange, . 

17 " Amoskeag Manufacturing Co , 
380 " Washington Fire & Marine Ins. Co , 

50 " Connecticut River Railroad Co , 
500 " American Waltham Watch Co., 

75 " Boston & Maine Railroad, 
Cleveland, Cin , Chic. & St Louis R.R bonds 

30 shares Union Pacific, Denver & Gulf R R 
100 " Pennsylvania Railroad. . 
100 " Cleveland, Cin , Chic & St. L. R R 
Huntington Avenue lands certificates, 
Concord & Montreal Railroad bonds, 
2000 shares West End Street Railway, . 

639 " Fitchburg Railroad Company, 
20 " Boston & Lowell Railroad, . 

308 '• Pemberton Company, . 

100 " Westminster Bank of Providence 
20 " Pullman's Palace Car Company, 
The Concord & Montreal Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
500 shares Boston & Maine Railroad, 

50 " N E Safe Dep. & Trust Co of Mo 
100 " Calumet & Hecla Mining Co , 
Minneapolis Gas Light Company bonds, . 
New England Mortgage Security Co. bonds, 
Illinois Steel Company bonds, . 
Union Pacific Railroad, .... 
100 shares Metropol Street Ry., Kansas City, 
200 shares Chicago, Burl & Quincy R R., 
Union Pacific Railroad Company bonds, . 
751 shares Boston & Maine Railroad, 
500 " Kansas City Stock Yards Company 
500 " Boston & Maine Railroad, 
200 " Pullman's Palace Car Company, 
Kansas Pacific Railway Company bonds, . 

12 shares Oregon Short Line Railway, . 

10 " Sioux City & Pacific Railroad, 

12 " Kansas City, Ft Scott & Gulf R.R 
150 " Oregon Short Line & Utah Northern 
5 " Missouri Pacific Railway, 

10 " Kansas Pacific Railway, . 
8 " Texas & Pacific Railway, 
300 " Chicago, Burl & Quincy Railroad, 
200 " Chicago & Northwestern Ry Co., 
Chicago, Burlington & Quincy R R. bonds, 
100 shares Fitchburg Railroad Company, 
Atchison, Topeka & Santa Fe Railroad bonds 
American Bell Telephone Company bonds, 



Market Value. Amount Loaned 

|60 t 000 00 "j 

34,765 00 ' 
34,960 00 
11,125 00 J 
83,750 00 
12,375 00 
36,800 00) 
22,462 50 ' 



j> 1 100,000 00 

50,000 00 
10,000 00 



5,700 00 



[> 50,000 00 



7,087 50 J 
21,000 00 
113,800 00 
147,000 00 
52,078 50 ) 
17,500 00 \ 
3'),800 00 

6,100 00 

4,810 00 
45,320 00 
33,300 00 
82,500 00 

5,250 00 
25,700 00 

2,040 00 ) 
920 00 S 
28,800 00 ) 
47,250 00 S 
36,000 00 
21,825 00 
23,625 00 
123,915 00 
60,000 00 
82,500 00 
37,000 00 
26,937 501 
12,780 00 " 
10,850 00 ( 
13,440 00 J 
119,250 00^ 



14,000 00 
100,000 00 
100,000 00 

30,000 00 

25,000 00 

5,000 00 

3,500 00 

40,000 00 

25,000 00 

50,000 00 

4,500 00 

11,000 00 

3,000 00 
50,000 00 

36,000 00 

19,000 00 
100,000 00 
50,000 00 
50,000 00 
25,000 00 

j> 50,000 00 



5,650 00 



10,775 00 

6,720 00 j 
32,737 50 n 
23,150 00 S 
8,960 00 ) 
8,150 00 \ 
7,691 25 > 
2,260 00 ) 



j> 100,000 00 



50,000 00 



12.000 00 



1891.] 



INSURANCE COMPANIES. 



29 



10 shares Fitch burg 1 Railroad Company, 
1000 shares Chicago & Eastern 111. R R , . 



Market Value. Amount Loaned. 

$815 00 $500 00 

102,750 00 80,000 00 



$3,083,826 21 $2,205,573 45 



Schedule B. 

Slocks and Bonds owned by the Company. 

Cost Value. Market Value. 

72 shares Atlantic National Bank, . . $7,101 00 $9,972 00 

100 " Bay State Nat. Bank, Lawrence, . 7,500 00 13,500 00 

333 " Boston National Bank, . . . 33,300 00 36,630 00 

100 " Continental National Bank, . . 10,0' 00 13,025 00 

50 " First Nat. Bank, Cambridge, . 5,000 00 9,800 00 

52 " Massachusetts National Bank, . 5,200 00 5,525 00 

91 " Merchants' National Bank, . . 9,100 00 13,627 25 

107 " National City Bank, Lynn, . . 10,700 00 18,404 00 

150 " National Revere,Bank, . . 15,000 00 15,750 00 

150 " National Hide and Leather Bank, 15,000(0 18,900 00 

240 " National Eagle Bank, . . . 24,000 00 24,720 00 

320 " Tremont National Bank, . . 31,951 25 33,160 00 

200 " National Webster Bank, . . 20,000 00 20,200 00 

625 " Boston Safe Deposit & Trust Co , 62,500 00 112,500 00 

120 " State National Bank, . . . 10,273 10 14,550 00 

1400 " Third National Bank, . . . 140,000 00 147,000 00 

500 " Globe National Bank, . . . 50,000 00 50,000 00 

400 " • Nicollet Nat. Bank, Minneapolis, 40,000 00 40,000 00 

200 " American Loan & Trust Co., . 20,000 00 30,700 00 

250 " Boston National Bank, Seattle, . 25,000 00 26,250 00 

400 " N. E. Safe Dep &T. Co., Kan City, 38,149 77 42,000 00 

243 " New Eng. Safe Dep. & Trust Co\ 24,300 00 25,515 00 

250 " Mercantile Loan & Trust Co , . 25,000 00 26,250 00 

150 " Winthr.»p National Bank, . . 15,000 00 17,250 00 

70 " State St. Safe Dep. & Trust Co., . 7,000 00 7,000 00 

1063 " Boston & Albany Railroad, . . 106,300 00 211,802 75 

300 " Bostou & Providence Railroad, . 29,950 00 74,400 00 

1278 " Chicago, Burl. & Quincy R R., . 127,732 77 139,46175 

800 " Conn & Passumpsic Rivers R R , . 80,000 00 97,800 00 

450 " Fitchburg Railroad, . . . 42,573 50 36,675 00 

225 " N. Y , New Haven & Hart. R.R., . 22,500 00 51,075 00 

850 " Norwich & Worcester Railroad, . 84,925 25 147,050 00 

100 " Northern Railroad, . . . 10,000 00 13,950 00 

200 " Connecticut River Railroad, . . 20,000 00 44,500 00 

266 " Chicago & Alton Railroad, . . 26,600 00 36,974 00 

157 " Eastern Railroad, . . . . 3,100 00 11.46100 

200 " Portland, Saco & Portsmouth R.R , 20,000 00 25,450 00 

575 " Atchison, Topeka & Santa Fe R R., 51,712 50 25,946 87 

200 " Boston & Lowell Railroad, . . 20,000 00 35,000 00 

1120 " Metropolitan St. R'y Co, Kan. City, 109,500 00 100,800 00 



30 



MASSACHUSETTS LIFE 



[Dec. 31, 



490£ 
1000 
250 
600 



500 shares West End Street Railway Co., 
5 " Dwight Manufacturing Company 
5 " Massachusetts Cotton Mills, . 
120 " Massachusetts Title Insurance Co 
Land Title Guar. Co , Kan. City, 
Boston Northwest Real Estate Co 
Huntington Storage Ware. Co., 
Bay State Gas Company, 
Eastern Railroad bonds, .... 
Phila , Wilmington & Baltimore R R. bonds, 
Boston, Concord & Montreal Railroad bonds, 
Chicago, Burlington & Quincy R R. bonds, 
Worcester & Nashua Railroad bonds, 
New Haven & Derby Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Tremont, Elkhorn & Mo. Valley R R. bonds, 
Maine Central Railroad bonds, 
Ottumwa, Cedar Falls & St. Paul R R. bonds 
Dayton & Michigan Railroad bonds, 
Delaware & Chesapeake Railway bonds, 
Pittsburgh, Cleveland & Toledo R R. bonds, 
Michican Central Railroad bonds, . 
Chicago, Milwaukee & St. Paul R'y bonds, 
Mo. Valley & Blair R'y and Bridge Co. bonds 
Northern Illinois Railway bonds, 
Chicago & Northwestern Railway bonds, 
Kansas City, Clinton & Springfield R'y bonds, 
Union Pacific Railway bonds, . 
Burlington & Missouri River Railroad bonds. 
St Joseph <& Grand Island Railroad bonds, 
Corrigan Consol. Street R'y, Kansas City, b'ds 
St. Louis Cable & Western Railway bonds, 
Spokane & Palouse Railway bonds, . 
Chicago, Burlington & Northern R R. bonds, 
Helena & Red Mountain Railroad bonds, 
Kansas City Cable Railway bonds, . 
Dakota and Great Southern Railway bonds, 
Des Moines & Fort Dodge Railroad bonds, 
Maine Central Railroad bonds, 
Housatonic Railroad bonds, 
Duluth & Iron Range Railroad bonds, 
Chicago, Rock Island & Pacific R'y bonds, 
Fitchburg Railroad bonds, 
Baltimore & Ohio Railroad bonds, . 
Somerset Railway bonds, . 
Grand Rapids, Lansing and Detroit R.R. bonds 
Grand Avenue Railway Co., Kan. City, bonds, 
Oregon Short Line Railway bonds, . 



Cost Value. 

125,000 00 

5,000 00 

5,000 00 

12,000 00 

45,832 40 

70,000 00 

16,250 00 

16,000 00 

275,000 00 

193,871 67 

500,000 00 

102,000 00 

75,000 00 

14,250 00 

97,050 00 

50,000 00 

48,850 00 

50,000 00 

50,000 00 

108,531 25 

50,000 00 

100,000 00 

98,942 50 

25,000 00 

100,000 00 

50,000 00 

50,000 00 

100,000 00 

190,781 25 

50,000 00 

100,000 00 

50,000 00 

25,000 00 

100,000 00 

50,000 00 

99,500 00 

100,000 00 

24,500 00 

180,862 50 

100,000 00 

47,500 00 

100,000 00 

50,000 00 

50,000 00 

97,500 00 

29,250 00 

95,500 00 

50,000 00 



Market Value. 

$42,375 00 

3,887 50 

5,225 00 

10,200 00 

31,335 00 

63,000 00 

16,250 00 

16,800 00 

330,000 00 

203,130 00 

513,125 00 

123,420 00 

75,750 00 

17,250 00 

97,000 00 

61,250 00 

53,000 00 

54,250 00 

53,250 00 

99,000 00 

55,500 00 

120,000 00 

104,562 50 

25,375 00 

105,500 00 

52,950 00 

40,000 00 

97,000 00 

174,000 00 

45,500 00 

95,000 00 

51,250 00 

25,750 00 

103,875 00 

50,000 00 

<>2,500 00 

lu3,500 00 

19,250 00 

176,400 00 

103,750 00 

48,500 00 

103,500 00 

54,250 00 

54,500 00 

105,01)0 00 

25,500 00 

96,500 00 

53,250 00 



1891.] 



INSURANCE COMPANIES. 



31 



Louisville, Evansville & St Louis R.R. bonds, . 

Evansville, Terre Haute & Chicago R'y bonds, 

Boston & Providence Railroad bonds, 

Boston & Maine Railroad bonds, 

Denver City Cable Railway bonds, . 

Metropolitan Street R'way bonds, Kansas City 

Pennsylvania Railroad bonds, . 

Strawn & Indiana State Line Railroad bonds, 

Michigan Central Railroad bonds, . 

Kansas Equipment Company bonds, 

Portland Union Railway Station Co. bonds, 

Atchison, Topeka and Santa Fe R R. bonds, 

Omaha Street Railway bonds, . 

Chicago, Bur.ington & Quincy Railroad bonds 

New York Central Railroad bonds, . 

St. Louis & Suburban Railway bonds, 

Rio Grande Western Railway bonds, 

Cincinnati, Dayton & Ironton Railroad bonds 

New York Central & Hud. River R.R. bonds, 

Albany city bonds, . 

Boston city bonds, 

Chicago city bonds, . 

New Hampshire State bonds, 

Chelsea city bonds, . - 

Lawrence city bonds, 

Lynn city bonds, 

Massachusetts State bonds, 

Rhode Island State bonds, 

Cincinnati city bonds, 

Worcester city bonds, 

Brookline town bonds, 

Fitchburg city bonds, 

Springfield city bonds, 

Providence city bonds, 

Norwich city bonds, . 

Fall River city bonds, 

Holyoke city bonds, . 

Newton city bonds, . 

New York City bonds, 

New Bedford city bonds, 

Salem city bonds, 

Taunton city bonds, . 

Lewiston city bonds, 

Paw tucket city bonds, 

Kansas City bonds, . 

Lawrence, Kan , city bonds, 

Lincoln, Neb., city bonds, 

Indianapolis city bonds, . 



Cost Value. 

$100,000 00 

10,000 00 

100,000 00 

150,000 00 

100,000 00 

192,000 00 

150,000 00 

50,000 00 

98,500 00 

25,01,0 00 

50,000 00 

473,083 62 

98,500 00 

12,000 00 

50,000 00 

20,000 00 

23,700 00 

47,750 00 

100,000 00 

23,256 CO 

1,058,136 12 

70,350 00 

26,000 00 

206,504 17 

116,210 83 

226,000 00 

98,172 35 

50,000 00 

85,000 00 

85,000 00 

125,000 00 

101,485 17 

126,000 00 

146,403 06 

94,000 00 

203,000 00 

5,000 00 

70,000 00 

100,000 00 

10,000 00 

10,000 00 

39,000 00 

100,000 00 

150,000 00 

149,808 25 

50,000 00 

49,583 33 

100,000 00 



Market Value. 

f 107,500 00 

11,887 50 

101,500 00 

150,000 00 

100,000 00 

192,000 00 

145,500 00 

53,500 00 

100,000 00 

23,125 00 

50,000 00 

444,260 00 

95,000 00 

13,440 00 

50,875 00 

18,720 00 

24,000 00 

47,750 00 

107,500 00 

25,905 00 

1,124,788 00 

75,750 00 

30,412 50 

220,480 00 

126,257 50 

240,290 00 

105,700 00 

51,750 00 

102,850 00 

95,200 00 

131,250 00 

120,490 00 

161,280 00 

170,345 00 

114,280 00 

219,160 00 

5,650 00 

83,500 00 

110,000 00 

10,900 00 

11,050 00 

42,315 00 

108,000 00 

157,500 00 

151,000 00 

50,000 00 

50,000 00 

98,000 00 



32 



MASSACHUSETTS LIFE 



[Dec. 31, 



Minneapolis city bonds, . 

St. Paul city bonds, . 

Sheboygan, Wis , city bonds, 

Helena city bonds, . 

Columbus, Ohio, city bonds, 

Lowell city bonds, 

Waltham city bonds, . 

Manchester, Mass., town bonds 

Milwaukee city bonds, 

Milwaukee city bonds, 

Seattle city bonds, 

United States bonds, 

Chamber of Commerce of Minneapolis bonds 

St. Paul Chamber of Commerce bonds, 

Minneapolis Gas Light Co. bonds, . 

Jarvis-Conklin Mortgage Trust Co. bonds, 

Brookline Gas Light Co bonds 

Boston United Gas bonds, 

Bay State Gas Co. bonds, . 

Town of Eden, Me., notes, 

Town of Brookline notes, . 

West End Street Railway Co. notes, 

Norwich & Worcester Railroad Co. notes 

Boston & Maine Railroad notes, 

Jamaica Plain Gas Light Company notes 

Boston Northwest Real Estate Co. notes, 



Cost Value. 

\\ 85,000 00 

100,000 00 

100,000 00 

50,000 00 

28,000 00 

50,000 00 

110,000 00 

150,000 00 

24,000 00 

16,000 00 

25,000 00 

140,000 00 

97,500 00 

48,750 00 

50,000 00 

99,000 00 

50,000 00 

31,000 00 

3,000 00 

98,000 00 

61,000 00 

100,000 00 

180,000 00 

100,000 00 

20,000 00 

20,000 00 



Market Value. 

1185,000 00 

104,000 00 

100,000 00 

50,000 00 

29,680 00 

51,375 00 

110,822 50 

150,750 00 

24,330 00 

16,360 00 

25,250 00 

163,800 00 

100,000 00 

50,000 00 

51,000 00 

85,250 00 

52,000 00 

38,000 00 

3,950 00 

98,000 00 

61.000 00 

100,000 00 

180,000 00 

100,000 00 

20,000 00 

20,000 00 



112,790,633 61 113,686,962 62 



STATE MUTUAL LIFE ASSURANCE COMPANY, WORCESTER. 



[Incorporated 1844. Commenced business June, 1845.] 

A. G. Bullock, President. Henry M. Witter, Secretary. 

Income. 

New premiums without deductions, 1513,666 02 

Renewal premiums, ',450 57 

Premiums paid by dividends, including additions, . . . 208,978 66 



Total 

Deduct amount paid for re-insurance, 

Total premium income, 



. $1,599,095 25 
7,852 65 

. ? 1,59 1,242 60 



1891.] INSURANCE COMPANIES. 33 

Cash received for interest, ....... $298,971 31 

Cash received for rents of company's property, . . . 21,317 00 

Total income, $1,911,530 91 

Net or ledger assets Dec. 31, 1890, 6,138,933 68 

Total, $8,050,464 59 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 



$367,539 54 
76,209 00 



Gross amount paid for losses and endowments, . . $443,748 54 

Cash paid for surrendered policies, 160,626 35 

Cash dividends paid policy-holders, applied in payment of 

premiums, 208,978 66 



Total paid policy-holders, $813,353 55 

Cash paid for commissions and expenses of agents, . . 208,616 64 

for salaries and travelling expenses of agents, . 54,568 72 

for medical examiner's fees, 15,921 50 

for salaries of officers and office employees, . . 31,854 00 

for taxes and fees, 21,073 16 

for rent, . 3,000 00 

for advertising and incidentals, .... 19,184 88 

Profit and loss account, 1,423 75 

Total disbursements, $1,168,996 20 

Balance, $6,881,468 39 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Loans on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Personal loans, 



$390,000 00 

1,298,135 00 

626,200 00 

347,111 00 

181,426 10' 

3,916,741 77 

1,267 38 

80,587 14 

40,000 00 



Ledger assets (as per balance), 



$6,881,468 39 



34 



MASSACHUSETTS LIFE 

Other Assets. 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 

Total assets per company's books, . 



[Dec. 31, 



. $68,000 00 

2,500 00 

241,669 23 

. $7,193,637 62 



Items not admitted. 
Loans on personal security, .... 



Total admitted assets, 



40,000 00 



$7,153,637 62 



Liabilities. 

Computed premium roserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), .... $6,247,228 00 
Deduct net value of re-insured risks, 10,792 00 



Net re-insurance reserve, . 
Matured endowments due and unpaid, 

Liabilities as to policy holders, 
Surplus as regards policy-holders, . 



Gross liabilities, 



$6,236,436 00 
27,505 00 

$6,263,941 00 
889,696 62 

$7,153,637 62 



Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . $146,381 14 
Premium notes received during 1891, . . 330,839 38 

Total $477,220 52 

Redeemed by maker in cash, 295,794 42 

Balance note assets Dec. 31, 1891, $181,426 10 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,516 $9,116,680 00 
Endowment, . . . 8,864 25,621,209 00 
Reversionary additions, . - 280,062 00 

12,380 $35,017,951 00 



Whole life, 
Endowment, 



Policies issued during the Year. 
82 $346,770 00 
. 2,490 7,195,800 00 



2,572 7,542,570 00 



1891.] INSURANCE COMPANIES. 35 

Old Policies revived. 

Number. Amount. Total No. Total Amount. 

Whole life, ... 3 $2,500 00 

Endowment, ... 2 6,000 00 

5 $8,500 00 



Old Policies increased. 

Whole life, . . - $2,338 00 

Endowment, ... - 12,6^6 00 



-. 15,024 00 

Additions by dividends, - 73,772 00- 



Total, 14,957 $42,657,817 00 

Policies terminated during the Year. 
Whole life, . . . 179 $565,540 00 
Endowment, . . . 1,087 2,896,674 00 
Reversionary additions, . - 19,678 00 



1,266 $3,481,892 00 
How terminated. 



By death, . 


• i 


141 


$383,449 00 


maturity, 


. 


36 


76,209 00 


expiry, . 


. 


20 


44,000 00 


surrender, . 


• 


454 


1,099,222 00 


lapse, . 


■ 


331 


690,000 00 


change and deer 


ease, , 


- 


388,512 00 


not taken, 


Polic 


284 


800,500 00 




ties in force Dec. 31, 189 


Whole life, 


. , 


3,422 


$8,902,748 00 


Endowment, 


. i 


10,269 


29,939,021 00 


Reversionary additions, , 


- 


334,156 00 






Schedule A. 



1,266 3,481,892 00 



13,691 $39,175,925 00 



Securities held as Collateral. 

Market Value. Loaned Thereon. 

Chicago Water Loan, ' $3,000 00 $3,0u0 00 

5 shares Chicago, Burlington & Quincy R.R , 545 00 ) r, oft ftft 

5 " West End Railway, .... 375 00 S 

50 M Norwich & Worcester Railroad, . 8,900 00 6,000 00 

Massachusetts Southern Railroad bonds, . . 20,000 00 "1 

40 shares United Electric Light Company, . 4,000 00 1 

Iowa Central Railroad bonds, .... 4,000 00 J 27,00 ° 00 

Demand note, 18,000 00 J 



36 



MASSACHUSETTS LIFE 



[Dec. 31, 



12 shares Boston & Albany Railroad, 

30 shares Fitchburg Railroad, . 

Essex Street Railway bonds, . 

Worcester, Nashua & Rochester R R bonds, 

20 shares New York Central Railroad, . 

Luzerne County, Pa , bond, . . 

Boston & Maine R R. stock and rights, . 

35 shares Mechanics' National Bank, . 
1000 " Atchison, Topeka & Santa Fe R R 
-1500 " Mexican Central Railroad, . 

60 " Providence & Worcester R R , 
6 " Boston & Albany Railroad, . 

45 " Worcester Street Railway, . 

30 " Boston & Lowell Railroad, . 
Chicago, Burlington & Quincy R R. bonds, 
20 shares Pullman Company, . 
Worcester, Nashua & Rochester R R. bonds, 
Worcester, Nashua & Rochester R.R. bonds, 
50 shares Osceola Mining Company, 
350 " Osceola Mining Company, 

25 " New York & New England R.R., 
Richmond & Danville R.R. bond, 
S A. Swenarton bond, .... 
100 shares European & N. A. Railroad, . 
700 '* Worcester Consol. Street R R , 
1000 " West End Street Railroad, . 

10 " Washburn & Moen Mfg. Co., 
Bay State Gas Company bond, . 
New York & New England R.R. bonds, . 
400 shares Whitman & Barnes Mfg. Co., 
250 " Worcester, Nashua & Roch. R R , 
250 " Boston & Maine Railroad, 
400 " Chicago, Burl. & Quincy R.R., 
298 " Gazette Company, . 
10 " Boston & Albany Railroad, 



Market Value. 

£2,400 00 

2,460 00 

60,000 00 

5,100 00 

2,380 00 

1,000 00 

64,515 00 

4,550 00 

45,000 00 

34,500 00 

15,000 00 

1,200 00 

7,875 00 

5,340 00 

1,860 00 

3,700 00 

132,000 00 

10,000 00 

1,250 00 

8,750 00 

3,025 00 

1,080 00 

10,000 00 

11,800 00 

122,500 00 

75,000 00 

2,000 00 

1,800 00 

1,210 00 

20,000 00 

30,000 00 

35,000 00 

43,600 00 

29,800 00 

2,000 00 



Loaned Thereon 

1800 00 

60,000 00 

5,000 00 

1,400 00 

950 00 

50,000 00 
3,200 00 

50,000 00 

15,000 00 
1,000 00 

11,000 00 

1,000 00 
132,000 00 

10,000 00 

10,000 00 

900 00 

5,000 00 

6,500 00 

70,000 00 

50,000 00 

1,750 00 

500 00 

20,000 00 
25,000 00 
25,000 00 
27,000 00 
6,000 00 
400 00 



$856,515 00 $626,200 00 



SCBEDULE B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Valae. 

100 shares Chicago & Northwestern R.R., . $14,012 50 $14,000 00 

400 " Morris & Essex Railroad, . . 25,450 00 29,000 00 

300 " Chicago, Rock Isl'nd & Pacific R.R., 35,085 00 26,700 00 

300 " Old Colony Railroad, . . . 43,874 25 49,500 00 

110 " Chicago, Burlington & Quincy R R., 13,358 00 11,990 00 

270 " Illinois Central Railroad, . . 34,183 34 29,430 00 

200 " Chicago & Alton R.R., . . . 27,800 00 28,000 00 



1891.] 



INSURANCE COMPANIES. 



37 



500 shares Norwich & Worcester Railroad, 



262 
215 
500 
500 
100 
286 



New York, New Haven &H.RR, 
New London & Northern R R , 



Providence & Worcester Railroad, 
Boston & Albany Railroad, 
Fitchburg Railroad, 
Boston & Maine Railroad, 
Boston & Albanv Railroad rights, . 
45 shares State Safe Deposit Company, 
25 " Central National Bank, Worcester 
50 " First National Bank, Boston, . 
40 " City National Bank, Worcester, 
100 " Third National Bank, Springfield, 
112 " Hide & Leather N'l Bank, Boston, 
67 " Shawmut National Bank, Boston, 
150 " Atlantic National Bank, Boston, 
40 " Eliot National Bank, Boston, . 
100 " Quinsigamond N'l B'k, Worcester, 
100 " Howard National Bank, Boston, 
25 " Leicester National Bank, 
100 " Continental National Bank, Boston 
75 " Republic National Bank, Boston, 
50 " Webster National Bank, Boston, 
115 " Nat 1 ! Bank of Redemption, Boston 
100 " Tremont National Bank, Boston, 
83 " Worcester National Bank, 
50 " Millbury National Bank, 
25 " Wachusett Nat'l Bank, Fitchburg, 
67 " Revere National Bank, Boston, 
90 " Adams Nat'l Bank, North Adams, 

United States bonds, 

Worcester & Nashua Railroad bonds, 
Fitchburg Railroad bonds, 
Bost, Clint , Fitch. & New Bedford R.R. bonds, 
New York, Lackawanna & Western R.R. bonds, 
Chicago & Northwestern Railroad bonds, 
Michigan Central Railroad bonds, . 
N. Y. Central & Hudson River R.R. bonds, 
New York & New England R.R. bonds, . 
Chicago, Burlington & Quincy R R bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Evansville, Terre Haute & Chicago R.R. bonds 
Pittsburgh, Cleveland & Toledo R.R. bonds, 
Chicago & Eastern Illinois R.R. bonds, . 
Boston, Barre & Gardner R R. bonds, 
Strawn & Indiana State Line Railroad bonds 
Burlington & Missouri River R.R bonds, 
Central Pacific Railroad bonds, 



Cost Value. 

,287 75 
43,845 75 
28,077 00 
76,893 50 
86,601 50 
8,752 50 
45,572 93 

4,500 00 
2,500 00 
5,000 00 
4,000 00 
10,000 00 
11,575 00 
6,725 00 
18,388 75 
4,075 50 
10,090 00 
9,931 50 
2,650 00 
10,012 50 
7,562 50 
5,275 00 
15,985 00 
13,300 00 
11,619 50 
5,000 00 
2,500 00 
6,756 25 
13,122 50 
166,000 00 
61,500 00 
76,125 00 
33,000 00 
73,271 25 
99,427 50 
145,300 00 
53,400 00 
10,662 50 
28,400 00 
29,750 00 
10,250 00 
21,200 00 
49,710 00 
31,590 00 
25,700 00 
18,600 00 
30,000 00 



Market Value. 

$89,000 00 

58,950 00 

36,550 00 

125,000 00 

100,000 00 

8,200 00 

47,190 00 

12,500 00 

4,500 00 

3,750 00 

12,000 00 

6,000 00 

15,000 00 

13,888 00 

8,308 00 

20,700 00 

4,920 00 

12,000 00 

11,000 00 

3,750 00 

13,000 00 

12,000 00 

5,000 00 

14,375 00 

10,200 00 

12,-150 00 

5,300 00 

5,000 00 

7,035 00 

12,600 00 

174,000 00 

61,200 00 

74,400 00 

33,000 00 

78,450 00 

105,400 00 

157,350 00 

52,800 00 

12,100 00 

27,900 00 

31,250 00 

11,000 00 

22,000 00 

60,000 00 

32,700 00 

27,500 00 

18,600 00 

33,300 00 



38 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cleve , Col., Cin. & Indianapolis R R. bonds, 

Baltimore & Ohio Railroad bonds, . 

St. Paul, Minneapolis & Manitoba R R. bonds, 

Lake Erie & Western R.R. bonds, . 

Housatonic Railroad bonds, 

Long Island City & Flushing R.R. bonds, 

Atlantic Avenue Railroad bonds, 

Third Avenue Railroad bonds, 

Chicago, Rock Island & Pacific R.R. bonds, 

Terre Haute and Indianapolis R.R. bonds, 

Chicago & Western Indiana Railroad bonds, 

Kings County Elevated Railroad bonds, . 

Milwaukee City Railroad bonds, 

Grand Avenue Railroad bonds, 

Chicago, St. Paul, Minn. & Omaha R.R. bonds 

Fulton Elevated Railroad bonds, 

Street Railway, Grand Rapids, bonds, 

Maine Central Railroad bonds, 

Broadway Surface Railroad bonds, . 

Omaha Street Railway bonds, . 

Wabash Railroad bonds, .... 

West Side, Milwaukee, Railroad bonds, . 

Baltimore Belt Railroad bonds, 

Akron & Chic. Junction Railroad bonds, 

St. Louis, Alton & Terre Haute R.R. bonds, 

Saginaw Union Street Railroad bonds, 

Consol. St Railroad bonds, Columbus, O 

Rutland Railroad bonds, . 

Portland city bonds, . 

Northampton city bonds, . 

Meriden city bonds, . 

Bangor city bonds, . 

Lawrence city bonds, 

Newton city bonds, . 

Lowell city bonds, . 

Worcester city bonds, 

Providence city bonds, 

Boston city bonds,* . 

Clinton town bonds, . 

Beverly town bonds, 

St Paul city bonds, . 

Cincinnati city bonds, 

Minneapolis city bonds, . 

St. Louis city bonds, . 

Toledo city bonds, 

Quincy W r ater Company city bonds, 

Omaha city bonds, 

Nashville city bonds, . 



Cost Value. 

$ 19,800 00 
50,000 00 
57,625 00 
96,500 00 
77,750 00 
50,000 00 
15,675 00 

106,250 00 
40,000 00 
25,000 00 
27,500 00 
25,000 00 
25,000 00 
24,125 00 
57,500 00 
25,000 00 
16,050 00 
21,455 00 
60,700 00 
39,300 00 
50,000 00 
50,000 00 
25,000 00 
50,000 00 
22,000 00 
10,000 00 
50,000 00 
10,950 00 
19,000 00 
23,500 00 
10,000 CO 
26,375 00 
53,000 00 
26,750 00 
52,000 00 
86,600 00 
25,875 00 
50,125 00 
41,400 00 
51,375 00 
50,500 00 
9,640 00 
41,922 50 
21,450 00 
30,825 00 
20,000 00 
30,375 00 
10,000 00 



Market Value. 

$22,860 00 
54,000 00 
60,000 00 

101,000 00 
78,000 00 
54,000 00 
15,900 00 

113,000 00 
41,200 00 
27,000 00 
28,750 00 
25,000 00 
25,750 00 
25,000 00 
59,500 00 
25,000 00 
16,500 00 
21,000 00 
61,000 00 
40,000 00 
51,500 00 
52,000 00 
25,500 00 
51,000 00 
23,100 00 
10,000 00 
50,000 00 
10,900 00 
24,000 00 
25,000 00 
10,300 00 
29,500 00 
56,200 00 
29,500 00 
52,000 00 
86,400 00 
26,500 00 
52,500 00 
40,800 00 
52,000 00 
50,000 00 
9,440 00 
42,640 00 
21,200 00 
31,800 00 
20,000 00 
31,800 00 
10,000 00 



1891.] 



INSURANCE COMPANIES. 



39 



Birmingham, Alabama, city bonds, . 

Fostoria, O , city bonds, . 

Abstract Safety Vault Company, Chicago 

Montclair, N. J., school bonds, . 

Cleveland, O., city bonds, . 

Columbus, O., city bonds, . 

Duluth, Minn., city bonds, 

Worcester Gas Light Co. loan, . 

Worcester Consol. St. R.R. loan, 

Parish St. Marks church, . 

Norwich & Worcester R.R. loan, 

Duluth Street R.R loan, . 

Gardner Water Co. loan, . 

Westborough town loan, . 

Guilford, Vt., town loan, . 



Cost Value. 

$26,750 00 
20,000 00 
52,000 00 

6,500 00 
21,000 00 
52,500 00 
22,875 00 
30,000 00 
15,000 00 

3,975 00 
50,000 00 
20,000 00 
60,000 00 
10,000 00 

3,000 00 



Market Value. 

$26,250 00 
20,600 00 
54,060 00 

6,500 00 
21,000 00 
52,500 00 
23,750 00 
30,000 00 
15,000 00 

3,975 00 
50,000 00 
20,000 00 
60,000 00 
10,000 00 

3,000 00 



$3,916,741 77 $4,158,411 00 



LIFE INSURANCE COMPANIES 

OF OTHER STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1891. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



"^TNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 

[Incorporated 1820. Commenced business 1850.] 

Paid-up Capital, $1,250,000. 

Morgan G. Bulkeley, President. J. L. English, Secretary. 



Income. 

New premiums without deductions, . 
Renewal premiums, .... 
Premiums paid by surrendered policies, 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Cash for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



Disbursements. 
Cash paid for losses and additions, . 
Premiums notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 



$617,512 18 

3,473,341 07 

211,345 90 

$4,302,199 15 
695 42 



$4,301,503 73 

1,881,717 74 

20,753 32 

$6,203,974 79 
34,500,875 21 



$40,704,850 00 



$1,679,876 70 

29,269 75 

1,021,403 41 

8,633 82 

$2,739,183 68 
832 00 



Net amount paid for losses and endowments, . 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values, including reconverted additions ap 

plied in payment of premiums, 



$2,738,351 68 
127,576 91 

21,434 95 

211,345 90 



44 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash dividends paid policy-holders, .... 

Premium notes or loans used in payment of dividends, . 



Total paid policy-holders, 
Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of 
for medical examiner's fees, . 
for salaries of officers and office employ 
for taxes and fees, .... 

for rent, 

for furniture and office fixtures, 
for advertising, .... 
for incidentals, 



Total disbursements, 
Balance, 



gents, 
ees, . 



$590,932 05 
65,256 22 

$3,754,897 71 

125,000 00 

543,217 77 

30,895 41 

41,247 00 

87,392 93 

109,875 64 

11,056 24 

1,477 27 

8,933 90 

81,278 64 

. $4,795,272 51 

$35,909,577 49 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, ...... 

Cash deposited in bank, 

Agents' ledger balances, 

Special deposit with accident department, 

Ledger assets (as per balance), 



$574,591 81 

17,900,532 19 

428,028 31 

318,650 62 

1,026,355 61 

11,669,663 45 

20,737 28 

3,916,866 68 

4,151 54 

50,000 00 

$35,909,577 49 



Other Assets 

Interest due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent), . 

Net am't of uncollected and deferred prem's, 

Assets of accident department, . 

Total assets per company's books, . 



$145,817 84 
250,620 79 

$396,438 63 
79,287 73 



$466,325 47 
687,210 64 



317,150 90 
16,973 55 

$37,3£r,238 05 



1891.] OF OTHER STATES. 45 

Items not admitted. 



Agents 1 balances, .... 
Assets of accident department, 

Total, 

Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$4,151 54 
66,973 55 
$71,125 09 



$37,326,112 96 
285,854 00 



$37,010,258 96 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent ), . . . $30,685,434 00 
Deduct net value of re-insured risks, 47,721 00 



Net re-insurance reserve, $30,637,713 00 

Matured endowments due and unpaid, . . $42,375 00 
Death losses and matured endowments in proc- 
ess of adjustment, 201,949 00 

Claims resisted by the company, . . . 4,000 00 

Total policy claims, 251,324 00 

Unpaid dividends of surplus due policy-holders, . . . 264,408 17 

Premiums paid in advance, 3,011 59 

Bills payable, 5,777 66 

Liabilities as to policy-holders, $31,162,234 42 

Deduct liabilities on special deposits, 285,854 00 



$30,876,380 42 
Surplus as regards special policy-holders, . $890,000 00 
Surplus as regards other policy-holders, . . 5,273,878 54 



Gross surplus, $6,163,878 54 

Paid-up capital, 1,250,000 00 

Surplus over capital, < 4,913,878 54 



Gross liabilities, $37,040,258 96 

Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . $1,109,095 73 
Premium notes received during 1891, . . 44,950 66 

Total § 1,154,046 39 

Used in payment of losses and claims, . . $37,903 57 
of surrendered policies and 

voided by lapse, . . 21,434 95 
of dividends to policy-hold- 
ers, 65,256 22 

Redeemed by maker in cash, .... 3,096 04 

Total, 127,690 78 



Balance note assets Dec. 31, 1891, $1,026,355 61 



46 



LIFE INSURANCE COMPANIES [Dec. 31, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 36,399 $50,819,945 00 
Endowment, . . . 26,934 44,615,146 00 
All other, .... 10,681 22,221,291 00 

74,014 $117,656,382 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 1,256 $2,213,588 00 
. 7,274 12,953,567 00 
. 3,560 8,011,000 00 



12,090 23,178,155 00 



Old Policies revived and increased. 



3 


$15,704 00 






13 


52,383 00 






63 


124,000 00 










79 


192,087 00 







Whole life, 
Endowment, 
All other, . 



Total, 86,183 $141,026,624 00 

> 

Policies terminated during the Year. 

Whole life, . . . 1,514 $2,758,096 00 
Endowment, . . . 4,257 7,275,206 00 
All other, .... 2,646 6,086,104 00 



8,417 $16,119,406 00 





How terminated. 






By death, . 


. 1,105 


$1,743,114 00 






maturity, 


921 


1,026,479 00 






expiry, . 


688 


1,414,800 00 






surrender, . 


. 1,068 


1,616,532 00 






lapse, . 


. 2,260 


5,396,803 00 






change and decrea 


se, . 56 


158,051 00 






not taken, 


. 2,319 


4,763,627 03 













8,417 


16,119,406 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1891. 
. 36,144 $50,291,141 00 
. 29,964 50,345,890 00 
. 11,658 24,270,187 00 
77,766 $124,907,218 00 



1891.] 



OF OTHER STATES. 



47 



Schedule A. 

Securities held as Collateral. 



25 shares Hartford Carpet Company, . 
13 " United States Bank, 
' 124 " iEtna Fire Insurance Company, 
300 " Willimantic Linen Company, 

12 " United States Bank, 
Hartford City Coal and Salt Company bonds, 
400 shares Willimantic Linen Company, 
50 " Hartford Carpet Company, . 
169 " iEtna Fire Insurance Company, 
150 " United States Bank, 
654 " Kellogg & Bulkeley Company, 
217 " iEtna Fire Insurance Company, 
30 " Hartford Carpet Company, . 
50 " United States Bank, 
63 " iEtna Fire Insurance Company, 
1300 " Wheeler & Wilson ManTing Co. 
281 " Willimantic Linen Company, 
Assignment of mortgage, .... 
233 shares Willimantic Linen Company, 
200 " Southern N. Eng. Telephone Co., 
100 " Plimpton Manufacturing Co., 
Assignment of mortgage, .... 
25 shares iEtna Fire Insurance Company, 
42 " Merrick Thread Company, . 
125 " Hartford Fire Insurance Co., 
52 " iEtna Fire Insurance Company, 
16 " iEtna Fire Insurance Company, 
10 " Phoenix Fire Insurance Company 
300 " Willimantic Linen Company, 
25 " United States Bank, 
50 " Orient Fire Insurance Company, 
63 " iEtna Fire Insurance Company, 
St. Johnsbury & Lake Champlain RR. bonds 
2 shares Connecticut River Railroad, . 
10 " Russell & Erwin ManTing Co., 
2 " Collins Company, . 
10 " Chic , Burlington & Quincy R.R , 
20 " iEtna Fire Insurance Company, 
The Culbertson Irrigat'g Water Power bonds, 
Assignment of mortgage, 



j> $47,700 00 



Market Value. Amount Loaned. 

$2,500 001 
4,550 00 
31,000 00 
9,000 00 
4,200 00 
7,000 00 J 
12,000 00 ^ 
5,000 00 j 
42,250 00 )> 
52,500 00 | 
13,080 00 J 
54,250 00 > 
3,000 00 S 
17,500 00 
15,750 00 
32,500 00 n 
8,430 00 i 
6,000 00 ) 
6,990 00 
12,000 00 
15,000 00 
2,600 00 
6,250 00 
10,500 00 
41,250 00 ) 
13,000 00 S 
4,000 00 ) 
1,700 00 S 
9,000 OO^j 



105,363 31 



41,400 00 

10,000 00 
10,000 00 

43,865 00 

8,000 00 
10,000 00 
5,000 00 
2,500 00 
5,000 00 
8,000 00 

24,500 00 
4,500 00 



8,750 00 ' 



4,500 00 
15,750 00 J 
30,000 00 
420 00 > 

1,000 00 j 
200 00, 

1,060 00 
30,000 00 
50,000 00 

6,500 00 



}> 25,000 00 



25,000 00 

1,100 00 

400 00 

7,200 00 

40,000 00 

3,500 00 



$590,980 00 $128,028 31 



48 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

235 shares Connecticut River Banking Co , . $20,365 00 $11,750 00 

75 " Metropolitan Bank, New York, . 5,587 50 675 (XX 

918 " Phoenix National Bank, Hartford, 124,285 50 119,340 00 

400 " Mercantile National B'k, Hartford, 42,885 25 36,000 00 

448 " City National Bank, Hartford, . 60,900 75 46,144 00 

750 " Hartford National B'k, Hartford, . 107,720 25 116,250 00 

739 " First National Bank, Hartford, . 92,060 66 79,812 00 

1552 " National Exchange B'k, Hartford, 93,729 80 100,880 00 

1608 " American Nat'l Bank, Hartford, . 93,576 87 107,736 00 

377 " Farm. & Mech. NatM B'k, Hart., . 83,664 25 41,470 00 

66 " Suffield National Bank, Suffield, . 8,375 00 9,900 00 

250 " New Britain Natl B'k, N. Britain, 28,450 00 37,500 00 

836 " Charter Oak Natl B'k, Hartford, . 97,572 25 87,780 00 

702 " iEtna National Bank, Hartford, . 80,199 46 80,730 00 

240 " Hartford Trust Co., Hartford, . 25,065 00 31,200 00 

50 " United States Bank, Hartford, . 5,262 50 17,500 00 

200 " Rockville Natl Bank, Rockville, . 20,000 00 25,000 00 

100 " Security Company, Hartford, . 10,000 00 15,000 00 

United States bonds, 435,875 00 479,700 00 

368 shares Connecticut River Railroad, . . 39,372 25 80,960 00 

84 " -&tna Fire Insurance Company, . 19,236 68 21,420 00 

1863 " N. Y., N. H. & Hartford Railroad, 281,994 00 419,175 00 

Columbus & Indianapolis Railroad bonds, . 45,000 00 51,000 00 

Cincinnati & Indiana Railroad bonds, . . 20,675 00 24,480 00 

Cleveland, Painesville& Ashtabula R.R. bonds, 13,671 25 14,420 00 

Union Pacific Railroad bonds 30,690 00 32,700 00 

121 shares Keokuk & Des Moines R.R., . . 22,033 20 17,389 00 

Atlantic Dock bonds, 25,000 00 27,000 00 

Chicago, Milwaukee & St. Paul R R. bonds, . 25,000 00 28,750 00 

Vermont Valley Railroad bonds, . . . 150,750 00 159,000 00 

110 shares Chicago, Burlington & Quincy R R., 12,687 50 11,880 00 

200 " N. Y. Central & Hudson R R.R., . 25,000 00 23,000 00 

200 " Union Pacific Railroad, . . . 18,625 00 9,200 00 

Terre Haute & Logansport Railroad bonds, . 100,000 00 110,000 00 

Hartford & New York Transportation Co , . 12,000 00 12,000 00 

City of Brantford bonds, 97,500 00 100,000 00 

Province of Manitoba bonds, . . . ' . 149,893 34 163,240 00 

South Carolina State bonds, .... 29,410 00 39,369 75 

Virginia State bonds 23,357 94 18,354 00 

Tennessee State bonds, 25,100 00 20,080 00 

Connecticut State bonds, 200,000 00 204,000 00 

Mobile city bonds, 140,500 00 129,260 00 

Hartford city bonds, 320,310 00 356,440 00 

Louisville city bonds, 89,750 00 116,000 00 

Kansas city bonds, 90,500 00 112,000 00 



1891.] 



OF OTHER STATES. 



49 



New Britain city bonds, . 
Council Bluffs city bonds, 
Plattsmouth, Neb., city bonds, 
London, Ont , city bonds, 
New Boston city bonds, 
Jersey City city bonds, 
Ottawa city bonds, . 
Newark city bonds, . 
Indianapolis city bonds, 
Quincy city bonds, . 
Milwaukee water bonds, 
Cincinnati city bonds, 
St Paul city bonds, . 
St. Paul, Neb , city bonds, 
Webster city bonds, . 
Hull city bonds, 
Girard city bonds, 
Oxford city bonds, . 
Lincoln city bonds, . 
Olathe City city bonds, 
Emporia city bonds, . 
Hartland city bonds, 
Wymore city bonds, 
Audubon city bonds, 
Ness City city bonds, 
Russell city bonds, . 
Montreal Harbor city bonds, 
Lincoln city bonds, . 
Quebec city bonds, . 
Stratford city bonds, 
Toronto city bonds, . 
Winfield city bonds, . 
Dighton city bonds, . 
Kendallville city bonds, 
Wichita city bonds, . 
Quebec government bonds, 
Hartford City Salt Company bonds 
Cimarron city bonds, 
David city bonds, 
Ellsworth city bonds 
Superior city bonds, 
'Seneca city bonds, 
Pratt city bonds, 
Burrton city bonds, 
Lyons city bonds, 
Canton city bonds, 
Norton city bonds, 
Kingman city bonds, 



Cost Value. 

$130,689 00 

7,500 00 
23,000 00 
75,000 00 

7,000 00 

110,900 00 

133,000 00 

172,015 00 

427,570 00 

11,564 00 

58,500 00 

100,000 00 

52,350 00 

20,000 00 

37,000 00 

40,000 00 

5,0U0 00 

9,800 00 
29,500 00 
12,000 00 
20,500 00 
10,000 00 

5,000 00 

5,000 00 
11,875 00 

5,000 00 
60,000 00 
11,880 00 
40,000 00 
21,000 00 
498,317 00 
10,000 00 

6,000 00 
13,000 00 
46,000 00 
207,500 00 
15,000 00 
10,000 00 

6,300 00 
37,260 00 
13,000 00 

9,500 00 
12,900 00 
12,880 00 
32,200 00 

6,405 00 
16,400 00 
10,000 00 



Market Value. 

$149,500 00 

7,500 00 

23,000 00 

75,750 00 

7,000 00 

129,800 00 

143,640 00 

198,360 00 

484,000 00 

24,000 00 

67,100 00 

130,000 00 

64,800 00 

20,000 00 

37,000 00 

41,200 00 

5,000 00 

10,000 00 

30,975 00 

12,000 00 

20,500 00 

10,000 00 

5,000 00 

5,000 00 

12,500 00 

5,000 00 

64,800 00 

12,000 00 

41,500 00 

22,470 00 

502,200 00 

10,000 00 

6,000 00 

13,000 00 

50,000 00 

232,400 00 

15,000 00 

9,000 00 

7,000 00 

40,500 00 

13,000 00 

10,000 00 

15,000 00' 

14,000 00» 

35,000 00' 

7,000 00' 

17,000 00 

10,000 00 



50 



LIFE INSURANCE COMPANIES [Dec. 31, 



South Hutchinson city bonds, 

Loup City city bonds, 

Conway Springs city bonds, 

Douglass city bonds, 

Coolidge city bonds, . 

Johnson city bonds, . 

Englewood city bonds, 

Seward city bonds, . 

Governor's Foot Guard bonds, 

City of Alma bonds, . 

City of Orleans bonds, 

City of Hastings bonds, . 

Monroe county bonds, 

Ford county bonds, . 

Macoupin county bonds, . 

Mason and Tazewell county bonds, 

Gallatin county bonds, 

Hudson, N. J., county bonds, 

Ramsey county bonds, 

Edward county bonds, 

Moultrie county bonds, 

Ellsworth county bonds, . 

Lyon county bonds, . 

Monroe county bonds, 

Pawnee county bonds, 

narper count} 7 bonds, 

Stafford county bonds, 

Benton county bonds, 

St. Clair drainage bonds, . 

Hunt drainage district bonds, 

Drainage District No 3 bonds, 

Ulysses city bonds, . 

Reno county bonds, . 

Seward county bonds, 

Clay county bonds, . 

Jackson County Bridge bonds, 

Paris town bonds, 

Hartford town bonds, 

Georgetown town bonds, . 

Grant town bonds, 

Urbaua town bonds, . 

Lennox town bonds, . 

Meade county bonds, 

Gray county bonds, . 

Nickerson city bonds, 

Lakin Township bonds, 

Monde city bonds, . 

Iron wood city bonds, 



Cost Value. 
$3,500 00 

6,000 00 

13,000 00 

11,000 00 

10,000 00 

7,350 00 

4,200 00 

13,500 00 

10,000 00 

8,12: 

8,500 00 
54,000 00 
35,000 00 
48,500 00 
78,800 00 
34,000 00 
10,400 00 
49,843 75 
32,000 00 
20,000 00 
60,000 00 
26,000 00 
10 00 

2,000 00 
25,000 00 
11,500 00 

5,000 00 
12,000 00 
20,000 00 
24,250 00 

3,380 00 

9,500 00 
20,500 00 
47,000 00 
24,125 00 

5,000 00 
21,000 00 
81,600 00 

3,000 00 
30,000 00 

3,500 00 

3,500 00 
23,000 00 

7,500 00 
10,000 00 
10,000 00 
20,000 00 
20,000 00 



Market Value. 
|3 ,500 00 

6,000 00 
13,000 00 
11,000 00 
8,000 00 - 
7,000 00 
4,000 00 
15.000 00 
10,000 00 
9,000 00 
8,500 00 
58,800 00 
42,000 00 
52,500 00 
82,740 00 
36,700 00 
6,500 00 
52,500 00 
33,920 00 
21,000 00 
60,000 00 
.300 00 
21,000 00 
2,000 00 
20,250 00 
12,075 00 
5.250 00 
12,360 00 
21,000 00 
25,000 00 
SO 00 
9,000 00 
21,525 00 
47.000 00 
26,250 00 
5,000 00 
21,630 00 
84,550 00 
00 
31,500 00 
3,500 00 
3,500 00* 
23,000 00 
00 
10,000 00 
7,000 00 
20,000 00 
20,000 00 



1891.] 



OF OTHER STATES. 



51 



Meade Centre Township bonds, 
Jackson town bonds, 
Kirklin town bonds, . 
Coaticook town bonds, 
Breckenridge town bonds, 
Lake Fork town bonds, 
Montrose county bonds, . 
Huntington county bonds, 
Las Animas count}- bonds, 
Goodland city bonds, 
Pawnee city bonds, . 
Greenfield city bonds, 
Dalles city bonds, 
Anthony city bonds, . 
Harper city bonds, . 
Beatrice city bonds, . 
Goldendale city bonds, 
Tipton city bonds, 
Keithsburgh town bonds, 
Ross town bonds, 
Levis town bonds, 
Stewart town bonds, . 
Highland town bonds, 
Newman & Fullerton town bonds, 
Rock Creek town bonds, 
Sprague town bonds, 
Province of Quebec bonds, 
Bloomfield town bonds, 
Dodge town bonds, . 
Champaign town bonds, 
Mt. Forest town bonds, 
Sangamon tow T n bonds, 
Pleasant town bonds, 
Hager Slough town bonds, 
Boone town bonds, . 
Creek town bonds, . 
North Baltimore town bonds, 
Reeder town bonds, . 
Jefferson town bonds, 
Humeston town bonds, 
Great Bend town bonds, 
Harlan town bonds, . 
Edgewood Village" bonds, 
Tuscola town bonds, 
Butler town bonds, . 
Emmetsburg town bonds, 
Allerton town bonds, 
Coldwater town bonds, 



Cost Value. 

$16,000 00 

9,900 00 

1,500 00 

21,000 00 

2,500 00 

10,868 40 

6,000 00 

4,500 00 

29,300 00 

9,000 00 

4,000 00 

2,378 40 

50,000 00 

19,000 00 

19,000 00 

10,000 00 

12,500 00 

10,305 00 

24,000 00 

21,888 00 

31,000 00 

3,000 00 

10,000 00 

4,000 00 

28,710 00 

40,133 33 

153,187 50 

30,824 00 

3,000 00 

52,000 00 

20,000 00 

2,000 00 

35,350 00 

4,000 00 

13,000 00 

12,000 00 

6,000 00 

15,840 00 

6,000 00 

2,500 00 

6,C00 00 

6,600 00 

1,000 00 

10,000 00 

11,000 00 

4,000 00 

1,500 00 

10,000 00 



Market Value. 

$16,000 00 

10,000 00 

1,500 00 

21,000 00 

2,500 00 

10,868 40 

6,060 00 

4,500 00 

30,179 00 

9,000 00 

4,000 00 

2,378 40 

56,000 00 

20,000 00 

20,000 00 

10,000 00 

12,500 00 

10,305 00 

24,720 00 

22,544 64 

27,900 00 

3,000 00 

10,000 00 

4,000 00 

29,000 00 

42,000 00 

168,300 00 

30,000 00 

3,000 00 

54,600 00 

20,600 00 

2,0(J0 00 

17,500 00 

4,000 00 

13,000 00 

12,000 00 

6,000 00 

16,000 00 

6,000 00 

2,500 00 

6,000 00 

6,6C0 00 

1,000 00 

10,300 00 

11,000 00 

4,000 00 

1,500 00 

10,000 00 



52 



LIFE INSURANCE COMPANIES [Dec. 31, 



Laniard town bonds, . 
Wildcat town bonds, . 
Hubbard town bonds, 
Fond du Lac town bonds, . 
Sabula town bonds, . 
Neodesha town bonds, 
Baxter Spring's town bonds, 
Monroe Township bonds, . 
Morton Township bonds, . 
Henderson town bonds, . 
Lockridge town bonds, 
Stranger town bonds, 
Washington town bonds, . 
Rolling Prairie town bonds, 
Cicero town bonds, . 
Hayes town bonds, . 
McFadden town bonds, 
Leroy town bonds, . 
Tonganoxie town bonds, . 
Eagle Township bonds, . 
Valley Centre Township bonds, 
Richland Township bonds, 
Little River Township bonds, 
Victoria Township bonds, 
Liberty Township bonds, . 
Burrton Township bonds, . 
Green Garden Township bonds, 
Philipsburg Township bonds, 
Plum Township bonds, 
Centre Township bonds, . 
Jefferson Township bonds, 
Lake Township bonds, 
Richland Township bonds, 
Lincoln Township bonds, . 
Elk Creek Township bonds, 
Limestone Township bonds, 
Ezbon Township bonds, . 
Groveland Township bonds, 
Banner Township bonds, . 
Harrison Township bonds, 
Valparaiso Township bonds, 
Haynesville Township bonds, 
Turkey Creek Township bonds, 
May Township bonds, 
Pleasant Valley Township bonds, 
Antelope Township bonds, 
Little Blue Township bonds, 
Alma Township bonds, 



Cost Value. 

$6,000 00 

2,000 00 

3,000 00 

40,000 00 

3,000 00 

12,000 00 

20,500 00 

38,610 00 

8,550 00 

4,750 00 

7,600 00 

9,600 00 

45,700 00 

18,000 00 

6,500 00 

17,575 00 

9,500 00 

7,600 00 

19,200 00 

13,800 00 

9,200 00 

12,040 00 

21,160 00 

20,240 00 

7,600 00 

23,920 00 

13,800 00 

9,150 00 

12,900 00 

41,860 00 

7,600 00 

17,480 00 

12,352 50 

13,800 00 

7,600 00 

13,725 00 

8,600 00 

13,760 00 

21,685 00 

18,000 00 

5,500 00 

17,100 00 

2,707 50 

4,061 25 

3,900 00 

4,512 50 

2,707 50 

5,866 25 



Market Value. 

$6,180 00 

2,000 00 

3,000 00 

42,000 00 

3,000 00 

12,000 00 

20,500 0) 

39,000 00 

9,000 00 

5,000 00 

8,000 00 

10,000 00 

50,000 00 

18,000 00 

6,500 00 

18,620 00 

9,800 00 

7,840 00 

19,600 00 

11,700 00 

9,800 00 

14,000 00 

23,000 00 

22,000 00 

8,000 00 

26,000 00 

15,000 00 

10,000 00 

15,000 00 

45,000 00 

7,840 00 

18,620 00 

13,500 00 

15,000 00 

7,840 00 

14,700 00 

9,800 00 

15,680 00 

26,950 00 

19,600 00 

5,500 00 

18,620 00 

2,940 00 

4,410 00 

3,900 00 

4,900 00 

2,940 00 

6,370 00 



1891.] 



OF OTHER STATES. 



53 



Township G Township bonds, 
Franklin Township bonds, 
Township M Township bonds, 
Brown Township bonds, . 
New York Township bonds, 
Baker Township bonds, . 
Henderson Township bonds, 
Thayer Township bonds, . 
Stewart Township bonds, . 
Union Township bonds, . 
Bone Creek Township bonds, 
Read Township bonds, 
Olive Township bonds, 
Oak Creek township bonds, 
Stromburg Village bonds, 
Village of Ord bonds, 
Bowen Precinct bonds, 
Victor Precinct bonds, 
Fairmount Precinct bonds, 
Lincoln Precinct bonds, 
Centre Precinct bonds, 
Twin Grove Precinct bonds, 
Madison Precinct bonds, . 
Harvard Precinct bonds, . 
Nova Precinct bonds, 
Geneva Precinct bonds, 
Exeter Precinct bonds, 
Ainsvvorth Precinct bonds, 
Coolidge Bridge bonds, . 
School District K bonds, . 
Spring Creek Precinct school bonds 
Cedar Rapids school bonds, 
Ida Grove school bonds, . 
Glad Brook school bonds, . 
Centreville school bonds, . 
Hampton school bonds, 
South Bend school bonds, 
Defiance school bonds, 
Batavia school bonds, 
Sidell school bonds . 
Alta school bonds, 
Portland school bonds, 
Odebolt school bonds, 
South English school bonds, 
Van Horn school bonds, . 
Oxford Junction school bonds, 
Snow Hill school bonds, . 
Chariton school bonds, 



Cost Value. 

$9,000 00 
6,300 00 

22,500 00 
5,400 00 
9,000 00 
9,000 00 
4,500 00 
4,500 00 
9,000 00 
5,400 00 
9,000 00 
9,000 00 
5,400 00 
5,400 00 

12,000 00 
4,000 00 

10,000 00 

15,000 00 

27,075 00 
6,300 00 
6,300 00 
9,000 00 
4,500 00 

22,500 00 
3,840 00 

13,500 00 

18,000 00 

10,550 00 
8,400 00 

59,320 00 

5,760 00 

114,000 00 

17,000 00 
2,500 00 

14,000 00 
7,500 00 
1,000 00 
2,943 00 

10,000 00 
2,700 00 
3,000 00 
9,000 00 
3,250 00 
500 00 
2,500 00 
5,000 00 
3,600 00 
4,000 00 



Market Value. 

$9,800 00 

6,860 00 

24,500 00 

5,880 00 

9,800 00 

9,800 00 

4,900 00 

4,900 00 

9,800 00 

5,880 CO 

9,800 00 

9,800 00 

5,880 00 

5,880 00 

12,000 00 

4,000 00 

10,000 00 

15,000 00 

29,400 00 

6,860 00 

6,860 00 

9,800 00 

4,900 00 

24,500 00 

3,920 00 

14,700 00 

19,600 00 

10,000 00 

6,400 00 

58,900 00 

' 5,880 00 

116,280 00 

17,000 00 

2,500 00 

14,000 00 

7,500 00 

1,000 00 

3,000 00 

10,000 00 

2,700 00 

3,000 00 

9,000 00 

3,250 00 

500 00 

2,500 00 

5,000 00 

3,600 00 

4,000 00 



54 



LIFE INSURANCE COMPANIES [Dec. 31, 



Clearfield school bonds, . 

School district bonds, 

Dunlap school bonds, 

Imogene school bonds, 

School District No. 10 -chool bonds, 

Lineville school bonds, 

Panora school bond-. 

Saline county school bonds, 

School District No 42 school bonds, 

Lebanon school bonds, 

Inlet Swamp drainage bonds, 

City of Victoria bonds, 

City of Ossawatomie bonds, 

Hamilton county bonds, . 

City of Downs bonds, 

Beaver Precinct bonds, 

Lincoln Township bonds,. 

Jefferson Precinct bonds, . 

City of Santa Fe bonds, 

Fargo Township bonds, . 

Stanton county bonds, 

Haskell county bonds, 

Lane county bonds, . 

Vancouver city bonds, 

St. Hyacinthe city bonds, . 

Enterprise city bonds, 

Three Rivers city bonds, . 

Sault St. Marie city bonds, 

Springfield, Kansas, city bonds, 

Lincoln Precinct bonds, . 

Anthony Township bonds, 

Spring Township bonds, . 

Grant Township bonds, . 

Sheridan Township bonds, 

Ford Township bonds, 

Owego Township bonds 

Valley Township bonds, . 

Newman Township drainage bonds, 

Young America Township drainage bonds, 

Beaver Lake Township drainage bonds, 

Iroquois County drainage bonds, 

Indian Grave Drainage District bonds, 

Nelson Precinct bonds, 

Nichols Precinct bonds, . 

Ainsworth Village bonds,. 

North St. Paul Village bonds, 

Atkinson Village bonds, . 

Valentine Village bonds, . 



Cost Value. 

$l,20i » 
4,0( l 

2,000 00 

4,0" 
' 3,500 00 

1,859 65 

5jOO 
22,500 00 

8,800 00 
80,000 00 
20,000 00 
40,000 
29,K»0 00 
14,000 00 

6,720 00 

00 

10 00 

15,000 

11,700 00 

10,000 00 

33,000 00 

225,000 00 

30,000 90 

10,000 00 

32,500 00 

20,000 00 

16,000 00 

00 

2JB50 00 
12,350 00 
12.255 00 

2,070 00 
14,700 00 

6,000 00 

2.375 00 
10,000 00 
46,500 00 
21,000 00 
11,000 00 
34.369 39 
22,000 00 

7. 10 00 

8,000 00 

22,000 00 

00 

00 



Market Value. 

$14 

4,0<' 

6,000 00 
I 00 
2. 

4,000 00 

3,500 00 

1,859 65 

5,000 00 

22,950 00 

8,800 00 

86,000 00 

20,000 00 

30,000 00 

30,000 00 

13,720 00 

7,000 00 

4,900 00 

4,500 00 

14,700 00 

12,000 

10,000 00 

33,000 00 

245,812 50 

80,000 00 

10,200 00 

35,262 50 

21,200 00 

12,800 00 

4,900 00 

3,000 00 

13,000 00 

12,900 00 

70 00 

15,000 00 

6,000 00 

00 

10,000 00 

47,430 00 

21,420 00 

11,330 00 

37,000 41 

22.000 00 

00 

8,000 00 

22,000 00 

) 00 

00 



1891.] 



OF OTHER STATES. 



55 



Parkdale town bonds, 

City of St. Thomas bonds, 

West Toronto Junction, bonds, 

Town of Windsor, Ontario, bonds, 

City of Kingston, Ontario, bonds, 

City of Belleville, Ontario bonds, 

Hartford city bonds, 

Angus school bonds, . 

Superior city bonds, . 

Peoria city bonds, 

Young American Township bonds, 

Iroquois County drainage bonds, 

New Pankey pond Drainage bonds, 

Brocton drainage bonds, . 

Cote Sainte Antoine bonds, 

Town of Gault bonds, 

Province of Xew Brunswick bonds, 

City of St. John (N. B ) bonds, 

City of Hamilton (Prov. of Ont.) bonds, 

City of Halifax bonds, 

City of Sherbrooke (Prov. of Q.) bonds, 

Roman Catholic School, Montreal, bonds 

Protestant School, Montreal, bonds, . 

Connecticut State warrants, 



Cost Value. 

§74,847 74 

123,832 11 
99,167 73 

106,551 03 
53,963 99 
50,000 00 

250,000 00 

5,000 00 

25,000 00 

25,000 00 

11,600 00 

4,475 00 

4,000 00 

11,000 00 

98,250 00 

49,125 00 

50,000 00 

49,375 00 

47,834 55 

100,000 00 
72,750 00 
85,000 00 

101,687 60 

167,312 08 



Market Value. 

$74,847 74 

123,832 11 

102,935 16 

112,411 34 

55,582 91 

52,500 00 

250,000 00 

2,500 00 

25,500 00 

25,500 00 

11,600 00 

4,475 00 

4,000 00 

11,000 00 

100,000 00 

50,000 00 

50,000 00 

50,000 00 

48,327 50 

100,000 00 

75,000 00 

85,000 00 

103,000 00 

167,312 08 



$11,669,663 45 $12,356,874 09 



"CONNECTICUT GENERAL LIFE INSURANCE COMPANY," 

HARTFORD, CONN. 

[Incorporated June, 1865. Commenced business October, 1865.] 
Paid-up capital, $150,000. 

Thomas W. Russell, President. Frederick V. Hudson, Secretary. 



Income. 

New premiums without deductions, $46,348 73 

Renewal premiums, 230,673 68 

Premiums paid by dividends, including additions, . . . 4,426 24 

Premiums paid by surrendered policies, 14,490 34 

Total $295,938 99 

Deduct amount paid for re-insurance, 3,135 88 

Total premium income, $292,803 11 



56 LIFE INSURANCE COMPANIES [Dec. 31, 

Cash received for interest, $97,915 32 

as discount and rents, 5,201 01 

for profits on bonds or stocks sold, . . . 730 97 

Totalincome, $396,650 41 

Net or ledger assets Dec. 31, 1890, 1,991,070 40 

Total $2,387,720 81 



Disbursements. 

Cash paid for losses, $86,654 00 

Cash paid for matured endowments, . . . 53,977 95 



Gross amount paid for losses and endowments, . . $140,631 95 

Cash paid for surrendered policies, 3,722 41 

Premium notes or loans used in purchase of surrendered poli- 
cies, and voided by lapse, 655 84 

Cash surrender values applied in payment of premiums, . 14,490 34 
Cash dividends paid policy-holders, $24,915.96 ; applied in 

payment of premiums, $4,426.24, 29,342 20 

Premium notes or loans used in payment of dividends, . . 861 53 



Total paid policy-holders, $189,704 27 

Cash paid for dividends to stockholders, 12,000 00 

for commissions to agents, 10,158 31 

for salaries and travelling expenses of agents, . 39,676 71 

for medical examiner's fees, 4,528 38 

for salaries of officers and office employees, . . 16,460 62 

for taxes and fees, . . . . . . 5,269 08 

for legal expenses, 359 29 

for incidentals, 8,924 12 

Total disbursements, $287,080 78 

Balance, $2,100,640 03 

Invested in the following-: — 



Assets as Per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 



$170,967 61 

1,424,352 93 

15,050 00 

28,794 41 

55,187 81 

350,145 03 

1,449 96 

53,422 44 



1891.] OF OTHER STATES. 57 

Bills receivable, $ 847 03 

Agents 1 ledger balances, 422 81 

Ledger assets (as per balance), $2,100,640 03 

Deduct depreciation from cost of assets, 56,495 92 

Total net or ledger assets, 12,044,144 11 

Other Assets. 

Interest due and accrued, . . $54,780 22 

Market value of stocks and bonds, over cost, .... 26,646 42 
Uncollected premiums on policies in force, . $15,277 52 
Deferred premiums on policies in force, . . 49,632 78 

Total, $64,910 30 

Deduct loading (20 per cent.),. . . . 12,982 06 

Net am't of uncollected and deferred prem's, . 51,928 24 

Total assets as per company's books, .... $2,177,498 99 

Items not admitted. 

Agents' balances, $422 81 

Bills receivable, 847 03 

Total, 1,269 84 

Total admitted assets, $2,176,229 15 

Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent ), .... $1,660,506 00 
Deduct net value of re-insured risks, 23,290 00 

Net re-insurance reserve, $1,637,216 00 

Matured endowments due and unpaid, . . $13,579 88 
Death losses in process of adjustment, . . 20,100 00 

Total policy claims, 33,679 88 

Unpaid dividends of surplus due policy-holders, . . . 830 37 

Premiums paid in advance, 688 39 

Liabilities as to policy-holders, $1,672,414 64 

Surplus as regards special policy-holders, . $269,434 17 
Surplus as regards other policy-holders, . . 234,380 34 

Gross surplus, $503,814 51 

Paid-up capital 150,000 00 

Surplus over capital, 353,814 51 

Gross liabilities, $2,176,229 15 



58 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium Note Account. 

Premium notes on hand Dec. 31, 1890, 
Premium notes received during 1891, 

Total, 

Used in payment of surrendered policies and 

voided by lapse, 

Used in payment of dividends to policy-holders, 
Redeemed by maker in cash, .... 

Total, 

Balance note assets Dec. 31, 1891, 



$54,985 27 
4,579 48 


$59,564 75 
4,376 94 


$655 84 

861 53 

2,859 57 






$55,187 81 



Exhibit of Policies. 
Policies and Additions in force Dec. 32, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 3,691 $5,235,854 00 
Endowment, . . . 3,022 3,460,691 00 
All other, .... 47 166,609 00 

6,760 $8,863,154 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year, 

603 $733,889 00 

931 1,018,721 00 

6 24,250 00 



1,540 1,776,860 00 



Whole life, 
Endowment, 



Old Policies revived. 

4 $7,500 00 

7 9,500 00 



11 



17,000 00 



Whole life, 
Endowment, 



Old Policies changed and increased. 
17 $19,000 00 

10 13,500 00 



27 



32,500 00 



Total, 8,338 §10,689,514 00 

Policies terminated during the Year. 

Whole life, ... 468 $667,497 00 
Endowment, . . . 550 615,567 00 

All other, .... 18 73,040 00 



1,036 $1,356,104 00 



1891.] OT 


1 OTHER 


STATES. 5 




How terminated. 




Number. 


Amount. Total No. Total Amount 


By death, . 


66 


$101,954 00 


maturity, 


24 


18,971 00 


" expiry, . 


123 


188,400 00 


surrender, . 


64 


91,785 00 


Japse, . 


397 


479,564 00 


change and decrease, 


27 


73,430 00 


Not taken, . 


335 


402,000 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1891. 



3,847 

3,420 

35 



$5,328,746 00 

3,886,845 00 

117,819 00 



7,302 $9,333,410 00 



Schedule A. 



12 shares Hartford Carpet Co , 
1 share American National Bank,. 

12 shares Hartford Carpet Co., 

12 " Adams Express Co , . 

14 " Charter Oak National Bank, 
5 " State Bank, Hartford, 

Mortgage loan, 

Arizona Improvement Co. bonds, 



Securities held as Collateral. 

Market Value. 

$1,140 00 
67 00 



1,140 00 

1,764 00' 

1,442 00 

500 00 

500 00 

13,000 00 



Loaned Thereon . 

$900 00 

50 00 

900 00 

2,800 00 

400 00 

10,000 00 



$19,553 00 $15,050 00 



Schedule B. 
Stocks and Bonds owned by the 

187 shares New York, New Haven & H. R.R , 

40 ' 
216 ' 
104 

52 

70 
100 

20 

12 ' 

24 

50 ' 

86 ' 

50 ' 



Fourth National Bank, New York, . 
American National Bank, Hartford, 
Phoenix National Bank, Hartford, . 
Charter Oak Nat'l Bank, Hartford, . 
Hartford National Bank, Hartford, 
First National Bank, Hartford, 
iEtna National Bank, Hartford, 
Farm, and Mech. N'l B'k, Hartford, 
City National Bank, Hartford, 
Thames National Bank, Norwich, . 
Conn. Trust and Safe Deposit Co , . 
Security Company, .... 



Company. 

Cost Value. 

$22,993 00 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

2,373 50 

2,250 67 

2,790 00 

6,850 00 

8,428 00 

4,750 00 



Market Value. 

$12,075 00 

6,800 00 

14,472 00 

12,792 00 

5,356 00 

10,710 00 

10,600 00 

2,340 00 

1,284 00 

2,400 GO 

7,000 00 

12,470 00 

7,500 00 



60 



LIFE INSURANCE COMPANIES [Dec. 31, 



Evansville, Ind., city bonds, 
Indianapolis, Ind , city bonds, . 
Cleburne, Tex , city bonds, 
Lyon County, la , bonds, . 
Cowley County, Kan., bonds, . 
Pawnee County, Kan , bonds, . 
Mason and Tazewell, 111 , bonds, 
Wildcat, Champaign County, 111., bonds, 
Big Slough, Champaign County, 111 , bonds, 
Lima Lake, Adams County, 111., bonds, . 
Indian Grave, Adams County, 111., bonds, 
Clay County, Minn., bonds, 
Pekin and La Marsh, Peoria Co., 111., bonds, 
Lake Shore & Michigan Southern R.R. bonds 
Terre Haute & Logansport R.R. bonds, 
Valley Railroad, Ohio, bonds, . 
Clay School Township, Ind , bonds, 
Oxford School Township, Kan , bonds, 
Denver Water Company bonds, 
Southwestern Irrigation Company bonds 
Arizona Canal Company bonds, 
Arizona Improvement Company bonds, 
Garden City Irrigation Co. bonds, . 
Norwich, Kan., bonds, 
Fremont, Neb., bonds, 
Superior, Wis., bonds, 
Huron, Dakota, bonds, 
Arizona Territorial bonds 



Cost Value. 

$16,353 95 

24,500 00 

7,070 00 

5,000 00 

10,250 00 

5,000 00 

15,696 50 

15,375 00 

10,150 00 

13,000 00 

5,044 00 

11,375 00 

5,075 00 

5,089 38 

10,000 00 

10,462 50 

5,500 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

4,750 00 

5,000 00 

2,625 00 

5,075 00 

9,800 00 

1,500 00 

1,131 25 



Market Value. 

$15,640 00 

26,500 00 

7,070 00 

4,000 TX) 

10,500 00 

5,250 00 

15,750 00 

15,450 00 

10,500 00 

13,000 00 

5,200 00 

11,500 00 

5,100 00 

6,490 00 

11,000 00 

10,500 00 

5,500 00 

5,250 00 

10,400 00 

5,000 00 

10,800 00 

5,000 00 

5,000 00 

2,750 00 

5,200 00 

10,000 00 

1,500 00 

1,142 45 



$350,145 03 $376,791 45 



"THE CONNECTICUT MUTUAL LIFE INSURANCE COMPANY, 1 ' 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 

Jacob L. Greene, President. Edward M. Bunce, Secretary. 



Income. 

New premiums without deductions, . 

Renewal premiums, 

Premiums paid by dividends, including additions, 
Premiums paid by surrendered policies, . 

JLOtcll, ••••••... 



. $359,512 90 

. 2,870,681 97 

. 1,032,718 58 

241,901 10 

. $4,504,814 55 



1891.] 



OF OTHER STATES. 



61 



Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on securities sold, 



. $2,878,419 32 

5,321 39 

334,613 56 

81,310 18 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



. $7,804,479 00 
. 57,289,094 04 

$65,093,573 04 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, . . . 
Premium notes or loans used in purchase of surrendered poli 

cies, and voided by lapse, . . . . 
Cash surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, $98,654.11; applied in 

payment of premiums, $1,032,718.58, .... 
Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for salaries and commissions to agents, . 

for travelling expenses of agents, . 

for medical examiner's fees, .... 

for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

Expenses on real estate, 



$3,521,639 80 

50,044 44 

553,417 38 

1,215 62 

$4,126,317 24 
264,901 14 

21,041 98 

241,901 10 

1,131,372 69 
29,836 87 

$5,815,371 02 

326,515 71 

20,697 06 

23,515 30 

137,884 08 

291,767 40 

7,450 58 

63,771 65 

52,466 06 

146,339 30 



Total disbursements, $6,885,778 16 



Balance, 



$58,207,794 88 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 



$7,185,284 70 

36,417,37.2 87 

39,782 50 



62 LIFE INSUKANCE COMPANIES [Dec. 31, 



Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 



$1, 509,873 30 

11,828,983 64 

1,156,563 85 

1,045 00 

8,289 02 



Ledger assets (as per balance), .... $58,207,791 88 



Other Assets. 

Interest due and accrued, £914,190 26 

Bents due and accrued, 7,110 65 

Market value of stocks and bonds, over cost, .... 425,487 70 
Deferred premiums on policies in force, . . $192,370 58 

Deduct loading (20 per cent.) 38,474 12 

Net amount of deferred premiums, . . . 153,896 46 



Total assets per company's books, .... $59,738,479 95 



Items not admitted. 

Agents 1 balances, $8,289 02 

Bills receivable, 1,645 00 

Total, 9,934 02 



Total admitted assets, $59,728,545 93 

Deduct special deposit in Canada, 100,000 00 



Balance, $59,628,545 93 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), . . . $52,062,17100 

Death losses unpaid, $149,510 25 

Matured endowments due and unpaid, . . 15,980 00 

Death losses and matured endowments in 

process of adjustment, 59,951 00 

Claims resisted by the company, . . . 24,846 00 

Total policy claims, 250,287 25 

Unpaid dividends of surplus due policy-holders, . . . 333,474 90 
Reserve on account of lapsed policies, ..... 290,019 00 
Premiums paid in advance, etc., ...... 40,230 99 



Liabilities as to policy-holders, 2,976,183 14 

Surplus as regards policy-holders, 6,652,362 79 



Gross liabilities, $59,628,545 93 



1891.] OF OTHEK STATES. 63 

Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . $1,688,178 94 
Premium notes received during 1891, . . 1,693 00 

Total, $ 1,689,871 94 

Used in payment of losses and claims, . . $51,260 06 
of surrendered policies and 

voided by lapse, . . 22,734 98 

of dividends to policy-hold- 
ers, . . . . . 29,836 87 
Redeemed by maker in cash, .... 16,166 73 

Total, 119,998 64 



Balance note assets Dec. 31, 1891, $1,569,873 30 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount, Total No. Total Amount. 

Whole life, . . . 59,125 $142,905,466 00 
Endowment, . . . 5,022 10,329,276 00 

. 64,147 $153,234,742 00 

Policies issued during the Year. 

Whole life, . . . 3,358 $9,273,852 00 
Endowment, ... 765 2,045,835 00 

4,123 11,319,687 00 



Old Policies revived. 

Whole life, ... 154 $469,400 00 
Endowment, ... 11 22,000 00 



165 491,400 00 



Policies transferred. 
Whole life, 2 2,000 00 



Total, 68,437 $165,047,829 00 

Policies terminated during the Year. 
Whole life, . . . 3,006 $8,562,400 00 
Endowment, ... 637 1,442,374 00 



3,643 $10,004,774 0C 

How terminated. 

By death, .... 1,444 $3,528,063 00 

maturity, ... 350 552,680 00 

surrender, . . . 582 1,465,954 00 

lapse, .... 967 2,773,100 00 



64 



LIFE INSURANCE COMPANIES [Dec. 31, 



Number. 

By change and decrease, . 2 

Not taken, .... 298 



Amount. Total No. Total Amount. 

8816,477 00 
868,500 00 
3,643 £10,004,774 00 



Whole life, 
Endowment, 



Policies in force Dec. 31, 1891. 

. 59,633 $144,088,318 00 
. 5,161 10,954,737 00 
64,794 $155,043,055 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

17 shares N. Y , New Haven & Hart. R R., . $3,825 00 

340 " Indianapolis National Bank, . . 34,000 00 

100 " ^Etna Insurance Company, . . 22,500 00 

Missouri Farm Mortgage bond, . . . 1,600 00 

6 shares New York, New Haven & Hart. R.R , 1,350 00 

5 shares .Etna Insurance Company, . . 1,250 00 



Amount Loaned. 

$2,300 00 

25,433 00 

10,000 00 

549 50 

1,500 00 



$64,525 00 $39,782 50 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

130 shares First National Bank, Hartford, . $13,000 00 $13,910 00 

25 " .Etna National Bank, Hartford, . 2,500 00 3,000 00 

294 " Phoenix National Bank, Hartford, 40,710 25 36,456 00 

10 " Charter Oak National B'k, Hart , . 1,055 00 1,030 00 

80 " * City National Bank, Hartford, . 8,000 00 8,240 00 

40 " State Bank, Hartford, . . . 4,195 00 . 4,000 00 

300 " Conn. Trust & Safe Deposit, Hart , 30,000 00 43,500 00 

175 " First National Bank, Litchfield, . 22,125 00 21,000 00 

315 " N. Y , N. Haven & Hartford R R., 31,500 00 71,190 00 

50 " Connecticut River R.R , . . 5,000 00 11,125 00 

2000 " Conn & Passumpsic Rivers R R , . 200,000 00 200,000 00 

500 " Massawippi Valley Railroad, . 50,000 00 50,000 00 

United States bonds, 99,125 00 115,500 00 

State of Tennessee bonds, .... 19,200 00 13,152 00 

City of Jackson, Mich , water bonds, . . 81,000 00 90,000 00 

City of Fort Wayne, Ind, bonds, . . . 124,200 00 121,200 00 

City of Louisville, Ky , bonds, . . . . 125,339 06 134,500 00 

City of Mobile, Ala , bonds, .... 87,500 00 83,125 00 

City of Milwaukee, Wis., bonds, . . . 321,000 00 360,720 00 

City of Quincy, 111., bonds 226,019 75 229,500 00 

City of Galveston, Texas, bonds, . . . 100,000 00 102,000 00 

City of Austin, Texas, bonds, .... 39,000 00 41,200 00 



1891.1 



OF OTHER STATES. 



65 



City of Denver, Col , bonds, 

City of Montreal, Canada, bonds, 

City of Logansport, Ind , bonds, 

City of Muncie, Ind , bonds, 

City of Omaha bonds, 

City of San Antonio, Tex , bonds, 

City of Duluth, Minn , bonds, . 

City of St Paul, Minn , bonds, . 

City of Pueblo, Colo., bonds, . 

County of Leavenworth, Kan , bonds, 

County of Warren, Ind., Court House bonds, 

County of Allen, Ind.. bonds, . 

County of Mahaska, Iowa, bonds, 

County of Hancock, Ohio, Court House bonds 

County of Wyandotte, Kansas, bonds, 

Province of Quebec currency bonds, 

St. Louis Chamber of Commerce bonds, 

Atlantic Dock Company bonds, 

Long Dock Company bonds, . 

Baltimore & Ohio Railroad bonds, . 

Chicago, Burlington & Quincy Railroad bonds 

Chicago tt Northwestern Railroad bonds, 

Chicago, St. Louis & New Orleans R R bonds 

Chicago & Western Indiana Railroad bonds, 

Chicago. Milwaukee & St. Paul R R. bonds, 

Cleveland, Col , Cinn & Ind'polis RR. bonds 

Central Union Depot and Railway bonds, 

Dayton & Western Railroad bonds, . 

Dayton & Michigan Railroad bonds, 

Detroit Lansing & Northern Railroad bonds, 

Harlem River & Port Chester R R. bonds, 

Lehigh Valley Railroad bonds, 

Michigan Central Railroad bonds, . 

New York, Lake Erie & Western R R. bond: 

Northern Pacific Railroad bonds, 

Philadelphia & Reading Railroad bonds, 

St Louis Cable & Western Railroad bonds, 

St. Paul & Northern Pacific Railroad bonds, 

St Joseph Terminal Railroad bonds. 

Vermont Valley Railroad bonds, 

Wabash Railroad bonds, .... 



Cost Value. 

$301,500 00 

100,031 25 

72,720 00 

15,468 75 

160,825 00 

31,800 00 

133,125 00 

182,870 00 

79,312 50 

99,580 00 

25,450 00 

19,665 00 

7,157 50 

76,797 50 

86,437 50 

15,468 75 

467,000 00 

81,000 00 

391,607 50 

269,375 00 

124,233 05 

158,765 83 

776,562 50 

1,206,184 42 

320,712 08 

62,950 83 

250,000 00 

35,026 67 

210,575 00 

121,752 5U 

650,000 00 

1,071,485 17 

526,193 75 

198,574 42 

507,500 00 

124,740 38 

107,325 00 

374,002 50 

350,000 00 

301,500 00 

153,739 23 



Market Value 

$319,500 00 

100,000 00 

72,000 00 

15.000 00 

158,300 00 

34,500 00 

135,000 00 

127,720 00 

81,000 00 

106,000 00 

25,000 00 

19,000 00 

7,000 00 

75,000 00 

75,750 00 

17,100 00 

467,000 00 

82,282 50 

372,047 50 

290,000 00 

124,300 00 

165,153 34 

853,333 33 

1,226,020 00 

332.310 00 

63,708 33 

250,n0O 00 

35,520 00 

218.325 00 

106,500 00 

676,000 00 

1,127,190 00 

544,333 33 

207,183 34 

580,000 00 

129,116 67 

102,960 00 

377,910 00 

350,000 00 

306,000 00 

144,760 00 



$11,828,983 64 $12,254,471 34 



6(5 



LIFE INSURANCE COMPANIES [Dec. 31, 



"THE EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES," NEW YORK, N. Y. 

[Incorporated July 26, 1859. Commenced business July 28, 1859.] 

Paid-up Capital, $100,000. 

Henry B. Hyde, President. William Alexander, Secretary. 



Income 
New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, .... 

Total, 

Cash received for interest, .... 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 
Less contingent sinking fund, 



. $8,633,077 23 

. 23,919,447 09 

573,225 24 



$115,485,772 17 
903,197 54 



833,120,349 56 
. 4,809,0*3 11 
. 1,119,511 18 

$39,054,943 85 
114,582,574 03 



Total, $ 153,037,518 48 



Disbursements. 

Cash paid for losses and additions, . 

Cash paid for matured endowments and additions, 



. $8,940,152 72 
9<)2,5C4 12 



Gross amount paid for losses and endowments, . . $9,848,716 84 

Cash paid to annuitants, 312,891 39 

Cash surrender values, including reconverted additions applied 

in payment of premiums, . 3,049,852 98 

Cash dividends paid policy-holders, applied in payment of 

premiums, 1,582,235 16 



Total paid policy-holders, 

'Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 

for advertising, 

for incidentals, 



814,793,096 37 
7,00 ) 00 
3,380,U1G 45 
300,405 do 
455,948 71 
547,053 84 
2*3,094 19 
369,810 40 
688,592 68 
179,579 25 
1,955,227 69 



Total disbursements, . 
Balance, 



£22,967,085 13 
$ 130,070,433 35 



1891.] 



OF OTHER STATES. 



67 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A) , 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank and in trust companies, 

Agents' ledger balances, 

Commuted commissions, etc , 

Ledger assets (as per balance) , 



$31,203,618 24 

26,339,321 32 

8,418,500 00 

51,467,659 21 

30,923 22 

10,710,935 85 

1,802,672 69 

696,802 82 



$130,670,433 35 



Other Assets. 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 

Uncollected premiums on policies in force, . $57,431 43 

Deferred premiums on policies in force, . . 2,278,860 00 



. $245,327 32 

111,550 49 

. 2,834,915 79 



Total, 

Deduct loading (20 per cent), . 

Net am't of uncollected and deferred prem's, . 

Total assets per company's books, . 



^2,336,291 43 
467,258 29 



1,869,033 14 



$135,731,260 09 



Items not admitted. 



Commuted commissions, etc., . 
Agents' balances, 

Total, 



Total admitted assets, .... 
Deduct special deposits in other States, . 



Balance, 



$696,802 82 
1,802,672 69 
2,499,475 51 



$133,231,784 58 
. 5,071,270 00 

$128,160,514 58 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries' 4 per cent.), 
Death losses due and unpaid, .... 
Matured endowments due and unpaid, . 
Death losses and matured endowments in 

process of adjustment, 

Claims resisted by the company, . . , 
Total policy claims, 



. $107,352,982 00 
$103,279 00 
16,254 82 



480,910 00 
21,500 00 



621,913 82 



G8 LIFE INSURANCE COMPANIES [Dec. 31, 

Unpaid dividends of surplus due policy-holders, . . . f 97,643 00 

Special reserve fund, . . 1,500,000 00 

Liability under lapsed policies, 302,496 00 

Liabilities as to policy-holders, $109,875,064 82 

Deduct liabilities on special deposits, 5,071,270 00 

$104,803,794 82 
Surplus as regards tontine policy-holders, . $19,356,892 00 
Surplus as regards other policy-holders, . . 3,999,827 76 

Gross surplus, $23,356,719 76 

Paid-up capital, 100,000 00 

Surplus over capital, 23,256,719 76 

Gross liabilities, $128,160,514 58 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, J 890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 168,724 $610,153,898 00 
Endowment, . . . 27,009 100,942,245 00 
All other, .... 2,092 3,526,430 00 
Reversionary additions, . - 6,039,900 00 

197,825 $720,662,473 00 

Policies issued during the Year. 

Whole life, . . . 55,242 $180,505,230 00 
Endowment, . . . 11,06,9 38,842,857 00 
All other, .... 825 2,355,051 00 

67,136 221,703,138 00 

Old Policies revived. 

Whole life, . . . 1,925 $8,588,310 00 
Endowment, ... 322 1,277,264 00 
All other, .... 12 38,950 00 

2,259 9,904,524 00 

Additions by dividends, - 1,510,669 00 

Total, 267,220 $953,780,804 00 

Policies terminated during the Year. 

Whole life, . . . 30,330 $120,480,938 00 

Endowment, . . . 5,900 24,729,421 00 

All other, .... 566 2,306,426 00 

Reversionary additions, . - 1,369,462 00 

36,796 $148,886,247 00 



1891.] 



OF OTHER STATES. 



69 



By death, . 
maturity, 
expiry, . 
surrender, 
lapse, . 

Not taken, . 



How terminated. 

Number. Amount. 

3,458 $8,811,327 00 

262 880,029 00 

211 1,060,700 00 

5,193 21,043,332 00 

18,637 70,687,554 00 

9,035 46,403,305 00 





Policies in force Dec. 31, 189 


Whole life, 


. 195,561 $678,766,500 00 


Endowment, 


. 32,500 116,332,945 00 


All other, . 


. 2,363 3,614,005 00 


Reversionary 


additions, . - 6,181,107 00 



Total No. 



Total Amount. 



36,796 $148,886,247 00 



230,424 $804,894,557 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

Cleveland, Cinn , Chicago & St. Louis R.R., . $572,000 00 

Western Union Telegraph stock, . . . . 16,750 00 

Missouri Pacific Railroad stock, . . . 25,300 00 

Iron Mountain Railroad bonds, . . . 55.250 00 

Laclede Gas Company bonds, .... 27,150 00 

Pittsburgh & Lake Erie Railroad bonds, . . 900,000 00 

Western National Bank stock, . . . 10,8<'0 00 

Pine Creek Railroad bonds 360,000 00 

Dakota Central Railroad bonds, . . . 240,000 00 

Southern Pacific Railroad bonds, . . . 100,000 00 

Southern & Northern R R. of Alabama bonds, 50,000 00 

Galveston, Harrisburg & San Antonio R.R. bds., 95,000 00 

New Orleans & Texas Railroad bonds, . . 21,375 00 

Southern Pacific of Arizona Railroad bonds, . 51,500 00 

Omaha City Hall bonds 85,200 00 

Jamaica & Brooklyn Railroad bonds, . . 39,600 00 

Evansvillc & Terre Haute Railroad stock, . 61,000 00 

Pittsburgh, Cinn , Chic & St. Louis R.R. stock, 6,500 00 

Northern Pacific Railroad bonds, . . . 9,645 00 

Mobile & Ohio Railroad bonds, . . . 1,360 00 

Nashville, Chattanooga & St. Louis R.R. bds., 2,080 00 

Manhattan Elevated Railroad stock, . . 10,350 00 

Canada Southern Railroad stock, . . . 30,687 00 

Nashville, Chattanooga & St. Louis R.R. stock, 117,000 00 

Wisconsin Central Railroad bonds, . . . 134,420 00 

Wheeling & Lake Erie Railroad stock, . . 46,650 00 

Lake Erie & Western Railroad stock, . . 34,875 00 

Cleveland, Cinn , Chic. & St Louis R.R. stock, 35,250 00 

Manhattan Elevated Railroad stock, . . 10,350 00 



Amount Loaned. 

$500,000 00 



[ 100,000 00 



750,000 00 
8,500 00 

500,000 00 



} 250,000 00 



100,000 00 



} 100,000 00 



100,000 00 
100,000 00 



>> 100,000 00 

I 

J 



70 



LIFE INSUEAXCE COMPANIES [Dec. 31, 



Lake Shore & Michigan Southern R.R. stock, . 
Lake Erie & Western Railroad stock, 
Wheeling & Lake Erie Railroad stock, . 
St. Paul, Minneapolis & Manitoba R.R. stock, 

Wabash Railroad bonds, 

Southern Pacific Railroad bouds, 

Louisville, New Orleans & Texas R.R. bonds, 

Kentucky Central Railroad bonds, . 

Galveston, Harrisburg & San Antonio R R bds., 

Elizabethtown, Lexington & Big S'dy R.R bds , 

Chicago, Rock Island & Pacific R R. stock, 

Chesapeake & Ohio Railroad stock, . 

New York, Ontario & Western R R. bonds, 

Northern Pacific Railroad bonds, 

Oregon Improvement bonds, . 

Chicago, Burlington & Northern R R. bonds, 

Louisville & Nashville Railroad bonds, . 

Oregon Navigation Company bonds, 

Northern Pacific Terminal Railroad bonds, 

Colorado Coal and Iron Company bonds, 

Chicago, Milwaukee & St. Paul R R. stock, 

Lake Erie & Western Railroad stock, 

Jersey City Railroad stock, 

Missouri Pacific Railroad stock, 

Canada Southern Railroad bonds, . 

Great Northern Railroad stock, 

St Paul, Minneapolis & Manitoba R R. stock 

Manhattan Elevated Railroad stock, 

Canada Southern Railroad stock, 

Reading Railroad bonds, .... 

Louisville & Nashville Railroad bonds, . 

Western Union Telegraph stock, 

Manhattan Elevated Railroad stock, 

Jersey Central Railroad stock, . 

Oregon Railway & Navigation stock, 

Adams Express Company >tock, 

Cleveland, Cinn., Chic. & St. Louis R.R stock 

Wheeling & Lake Erie Railroad stock, . 

Manhattan Elevated Railroad stock, 

Lake Erie & Western Railroad stock, 

Consolidated Gas Company stock, . 

Delaware & Hudson Canal Company stock, 

Manhattan Elevated Railroad stock, 

New York Central Railroad stock, . 

Canada Southern Railroad stock, 

Chicago & Northwestern Railroad stock, 

Chicago, Rock Island & Pacific R.K. bonds, 

New York Cent. & Hudson River R.R. bonds, 



Market Value. Amount Loaned. 

?24,600 00^ 
41,850 00 I 



15,550 00 } 
79,800 00 ] 
24,825 00 j 
35,880 00 
21,375 00 
17,000 00 
11,400 00 > 
2,400 00 I 
35,600 00 
5,950 00 J 
7,960 00^1 
6,430 00 
4,200 00 
6,180 00 
6,090 00 y 
1,860 00 
6,510 00 
5,125 00 
12,325 00 j 
48,825 00^ 
67,200 00 
63,250 00 
2,150 00 
12,300 00 \ 
57,000 00 
31,050 00 
12,275 00 
9,662 00^ 
272,227 00 ' 
50,250 00^1 
20,700 00 j 
22,400 00 \ 
17,200 00 
14,800 00^ 
28,200 00 \ 
15.550 00 ' 



1150,000 00 



51,750 00 , 
34,875 00 j 

5,213 00^ 
12,300 00 

5,175 00 
11,638 00 \ 
12.275 00 
11,625 00 

4,450 00 j 
63,500 00 



100,000 00 



45,000 00 



250,000 00 



200,000 00 



100,000 00 



\ 100,000 00 



50,000 00 



50,000 00 



1891.] 



OF OTHER STATES. 



71 



Standard Oil Trust Company stock, 
Missouri, Kansas & Texas Railroad bonds, 
United New Jersey & Canal Company stock, 
Cinn., Indiana, St. Louis & Chie.R R bonds, 
Pennsylvania Railroad Equipment bonds, 
Cleveland, Cinn , Chic. & St. Louis R.R. stock 
Lake Erie & Western Railroad stock, 
Western Union Telegraph stock, 
Manhattan Elevated Railroad stock, 
Pullman Car Company stock, . 
Jersey Central Railroad stock, . 
Louisville & Nasville Railroad stock, 
Virginia Midland Railroad bonds, . 
Richmond & West Point Railroad bonds, 
St. Paul, Minneapolis & Manitoba R.R. bonds 
Wabash Railroad bonds, .... 
Northern Pacific Railroad bonds, 
Nashville, Chat. & St. Louis Railroad stock, 
Mobile & Ohio Railroad bonds, 
Cleveland, Cinn , Chic. & St. Louis R.R. stock 
Western Union Telegraph stock, 
Lake Erie & Western Railroad stock, 
Canada Southern Railroad bonds, . 
Chicago & Northwestern Railroad stock, 
St. Paul, Minn. & Manitoba Railroad stock, 
Cleveland, Cinn., Chic. & St. Louis RR stock 
Rio Grande & Western Railroad stock, . 
Lake Erie & Western Railroad stock, 
Chicago, Mil. & St. Paul Railroad stock, . 
Western Union Telegraph bonds, . 
East Tenn., Virginia & Georgia R.R. bonds, 
Colorado & Hocking Valley RR bonds,. 
Colorado Coal & Iron Company bonds, . 
Northern Pacific R R. bonds, . 
Mil., Lake Shore & Western Railroad bonds, 
Cleveland, Cinn., Chic. & St. Louis R.R. stock 

Silver certificates, 

Manhattan Elevated R R. stock, 
Missouri Pacific Railroad stock, 
Kentucky Central Railroad bonds, . 
Chicago & Nonhern Pacific R R. bonds, . 
Southern & Northern Alabama R.R. bonds, 
Missouri Pacific Railroad bonds, 
Laclede Gas Com pan}- bonds, . 
Iron Mountain Railroad bonds, 
Iron Mountain Railroad bonds, 
Missouri Pacific Railroad bonds, 
Mercantile Trust Company stock, . 



250,000 00 



}> 100,000 00 



Market Value. Amount Loaned. 

$320,000 00 $200,000 00 
65,190 001 
20,250 00 I 

23,000 00 [ 150,000 00 
10,000 00 j 
42,300 00 j 
* 34,875 00 \ 
83,750 00 
20,700 00 
18,450 00 
44,800 00 J> 

8,375 00 
39,500 00 

3,187 00 
57,625 00 J 
45,513 00 \ 
24,916 00 

9,000 00 
14,280 00 
10,575 00 
12,562 00 

6,975 00 

1,010 00 j 
23,250 00^ 
79,800 00 
66,975 00 
14,150 00 
20,925 00 
36,975 00 J 
92,125 001 
47,700 00 
25,593 00 
20,500 00 j> 
32,150 00 
52,500 00 
42,300 00 j 
95,000 00 > 
20,700 00 

6,325 00 J 
340,000 00 > 
200,000 00 
100,000 00 ^ 
45,000 00 > 
37,012 » 
42,500 00 J 
55,250 00 I 
63,000 00 ] 
15,000 00 



> 200,000 00 



250,000 00 



100,000 0o 
500,000 00 

100,000 00 

100,000 00 

5,000 GO 



72 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chicago, Burl. & Quincy Railroad stock, 
Louisville & Nashville Railroad stock, . 
Cleveland, Cinn , Chic & St. Louis R R. stock 
Wheeling & Lake Erie Railroad stock, . . 
Lake Erie & Western Railroad stock, 
Buffalo, Roch & Pittsburgh Railroad stock, 
Chicago, Mil & St. Paul tiailroad stock, . 
Chicago, Burl & Quincy Railroad bonds, 
Cedar Falls & Minnesota Railroad bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, Mil , St Paul & Omaha R.R bonds, 
Chicago, Burl. & Northern Railroad bonds, 
Evansville & Terre Haute Railroad bonds, 
Colorado Midland Railroad bonds, . 
St Paul, Minn & Manitoba R.R stock, . 
Chicago, Mil. & St. Paul Railroad stock, . 
Consolidated Gas Company stock, . 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
South Carolina bonds, .... 
Iron Mountain Railroad bonds, 
Iowa Central Railroad bonds, . 
Louisville, Cinn & Lexington Railroad bonds 
Missouri Pacific Railroad bonds, 
Oregon Short Line Railroad bonds, . 
Chicago & Northwestern Equipment Co. stock 
Western National Bank stock, . 
Northern Pacific Railroad bonds, 
Chicago & Northern Pacific Railroad bonds, 
Wabash Railroad bonds, .... 
Great Northern Railroad stock, 
Lake Erie & Western Railroad stock, 
Morris & Essex Railroad stock, 
Western Union Telegraph stock, 
Northern Pacific & Montana 6s, 
Mobile & Ohio Railroad bonds, 
Consolidated Gas Company stock, . 
Rensselaer & Saratoga Railroad stock, . 
Missouri Pacific Railroad stock, 
Northwest Consolidated Railroad bonds,. 
Richmond & Danville Railroad bonds, 
Wabash Railroad bonds, .... 
Jersey City water scrip, .... 
Northern Pacific Railroad bonds, 
Milwaukee & Northern Railroad bonds, . 
Colorado Midland Consolidated bonds, . 
Grand River Coal & Coke Co bonds, 
St Louis & San Francisco Railroad bonds, 



Market Value. 

5109,375 001 
33,500 00 
28,200 00 
15,550 00 
27,900 00 > 

7,963 00 

24,650 00 

4,100 00 

890 00 J 

30,750 00) 

11,975 00 

10,300 00 

5,925 00 

7,300 00 

22,800 00 

24,637 00 

20350 00 

24,600 00 

20,925 00 

3,225 00 

4,250 00 

3,560 00 

1,00) 00; 

210,000 00 

106,750 00 

50,' -00 00 

144,000 00 

253,180 00 

60,000 00 

48,823 001 

98,400 00 

41,«50 00 

14,300 00 

8,375 00 



Amount Loaned. 



5,125 00 ! 



6,800 00 
41,700 00 
33,400 00 
6,325 00 
1,100 00 j 
8,300 00 j 
20,650 00 ^ 
12,500 00 
2,411 00 
22,250 00 I" 
44,400 00 
83,700 00 J 
375,000 00 



1200,000 00 



\ 150,000 00 



260,000 00 
150,000 00 
250,000 00 



\ 250,000 00 



100,000 00 



250,000 00 



1891.] 



OF OTHER STATES. 



73 



Chicago & Northern Pacific Railroad bonds, 
Western Union Telegraph stock, 
Third Avenue Railroad stock, . 
Cleveland, Cinn , Chic & St. Louis R R stock 
Great Northern Railroad stock, 
Savannah & Western Railroad bonds, 
Texas & Pacific Railroad bonds, 
Pennsylvania Railroad bonds, . 
Kentucky Central Railroad bonds, . 
Northern Pacific Railroad bonds, 
Mexican Central Railroad bonds, 
Great Northern Railroad stock, 



Market Value. Amount Loaned. 

$128,0.;0 00 $100,000 00 
67,000 00 j 
6,048 00 
14,100 00 



12,300 00 [> 
7,625 00 

10,020 10 ! 

10,775 00 J 
425,000 00^1 
249,966 00 j 
192,060 00 \ 
381,300 00 J 



100,000 00 



1,000,000 00 



$10,626,163 00 $8,418,500 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

United States bonds, $968,800 00 $932,200 00 

Pennsylvania Railroad bonds, . . . . 1,019,940 00 1,077,500 00 

West Shore Railroad bonds 1,096,436 00 1,134,360 00 

Western Union Telegraph Company bonds, . 2,012,823 00 2,046,250 00 

Erie Railroad bonds, 2,970,09100 3,134,320 00 

Albany & Susquehanna Railroad bonds, . . 1,157,500 00 1,210,000 00 

Hannibal & St. Joseph Railroad bonds, . . 579,482 00 584,375 00 

Chicago, Burlington & Quiney Railroad bonds, 2,582,21 1 00 2,514,235 00 

Northwest Railroad bonds, .... 5,538,899 00 5,795,075 00 

Fremont, Elk Horn & M. V. Railroad bonds, . 610,010 00 610,000 00 

St. Paul, Chicago & Pacific Railroad bonds, . 355,544 00 400,040 00 

St. Paul, Wisconsin & Minnesota R R. bonds, . 98,014 00 105,500 00 

St Paul, Dubuque Division Railroad bonds, . 169,395 00 180,000 00 

St Paul, Mineral Point Division Railroad bonds, 98,278 00 103,750 00 

St Paul Railroad bonds, 395,636 00 387,000 00 

St. Paul, La Crosse & Davenport Div R R b'ds, 239,447 00 238,680 00 

St. Paul Railroad bonds 276,785 00 267,750 00 

St. Paul, Dakota & Great Southern R R. bonds, 130,725 00 144,900 00 

Fargo & Southern Railroad bonds, . . . 281,250 00 275,000 0) 

Manitoba Railroad bonds, .... 1,286,79500 1,330,25000 

Omaha Railroad bonds, 651,409 00 713,710 00 

Kansas City & Northern Railroad bonds, . 124,300 00 120,910 00 

Missouri Pacific Railroad bonds, . . . 712,892 00 738,750 00 

Pacific of Missouri Railroad bonds, . . . 243.305 00 247,500 00 

International & Great Northern Railroad bonds, 277,500 00 292,812 00 

Iron Mountain Railroad bonds, . . . 1,533,957 00 1,508,790 00 

Morris & Essex Railroad bonds, . . . 1,327,584 00 1,416,250 00 

Rock Island Railroad bonds, .... 1,572,37900 1,529,13200 

Cleveland, Col., Cinn. & Indpolis RR bonds, 596,114 00 637,500 00 



74 



LIFE INSURANCE COMPANIES [Dec 31, 



Pittsburgh & Lake Erie Railroad bonds, 

Pittsburgh & Western Railroad bonds, 

Flint & Pere Marquette Railroad bonds, 

James River Valley Railroad bonds, 

Union Pacific Railroad bonds, . 

Watertown & Rome Railroad bonds, 

Chicago, St. Louis & New Orleans R R bonds, 

Central Park, North & East River R R. bonds, 

Indianapolis & St Louis Railroad bonds, 

Alton & Terre Haute Railroad bonds, 

South Ferry Railroad bonds, . 

Cinn., Ind., St Louis & Chic. R R bonds, 

Peoria & Pekin Union Railroad bonds, . 

Cedar Falls & Minnesota Railroad bonds, 

Minneapolis & St Louis Railroad bonds, 

New York, Lack. & Western R.R bonds, 

New York Central Railroad bonds, . 

Chesapeake & Ohio Railroad bonds, 

Oregon Railway & Navigation Co. bonds, 

Texas & Pacific Railroad bonds, 

Missouri, Kansas & Texas Railroad bonds, 

Brooklyn Cit\- & Newtown Railroad bonds, 

Lake Shore & Michigan Southern R.R. bonds 

Virginia State bonds, 

Mississippi State bonds, . 

Elizabeth city bonds, 

Louisville city bonds, 

St Louis city bonds, . 

Newark city bonds, . 

Kearney city bonds, . 

Toronto city bonds, . 

Montreal city bonds, 

Laclede Gas Light Company bonds, 

Standard Gas Company bonds, 

Wurttemberg government bonds, 

Hungarian govern ment rentes, 

Swedish government bonds, 

Cape of Good Hope government bonds, 

Swiss government bonds, 

German government bonds, 

Brazilian government bonds, 

Italian government rentes, 

Russian government bonds, 

Bank of America stock, . 

Western National Bank stock, 

Laclede Gas stock, . 

Pennsylvania Railroad stock, 

Chicago, Rock Island & Pacific Railroad stock, 



Cost Value. 

? 2 10,000 00 
198,833 00 
100,000 00 
103,817 00 
1,199,725 00 
438,585 00 
490,000 00 
57,159 00 
171,626 00 
187,2* 00 
105,000 00 
487,500 00 
192,403 00 
149,912 00 
109,737 00 
69,123 00 
108,995 00 
693,777 00 
235,000 00 
185,432 00 
749,876 00 
400,000 00 
24/5,100 00 
11,371 00 
10,000 00 
355,150 00 
286,500 00 
107,625 00 
267,500 00 
10,000 00 
286,890 00 
194,750 00 
252,439 00 
237,500 00 
72,718 85 
92,300 00 
93.914 35 
51,847 00 
19,231 00 
24,368 00 
111,884 00 
209,116 00 
296,245 00 
20,658 00 
338,541 37 
64,225 00 
254,159 00 
1,250,222 50 



Market Value. 

$200,000 00 
209,375 00 

100.000 00 
107,500 00 

1,232450 00 

479,311 00 

',000 00 

57,500 00 

172,500 00 

187,360 00 

106.1 00 00 
460,000 00 
203,500 00 
123,800 00 

95,000 00 
70,300 00 
107,750 00 
724,500 00 
215,000 00 
167,000 00 
792,500 00 
410,000 10 

218.880 00 
11,371 00 
10,000 00 

346,280 00 

286,500 00 

115,000 00 

290,000 00 

10,000 00 

,160 00 

186,200 00 

246,750 00 

252,083 00 

71,436 00 

94.592 00 

87,670 00 

51,691 00 

18,943 00 

23,633 00 

77,740 00 

206,921 00 

342.881 00 
20,000 00 

332,321 00 

64,000 00 

261,632 00 

1,214,000 00 



1891.] 



OF OTHER STATES. 



75 



Delaware, Lackawanna & Western R.R stock, 

Mercantile Trust Company stock, . 

Western Union Telegraph stock, 

Chicago, St Paul, Minn. & Omaha R.R. stock 

Consolidated Gas stock, .... 

Missouri Pacific Railroad stock, 

Chicago & Northwestern Railroad stock, 

Illinois Central Railroad stock, 

Cleveland, Cin , Chic. & St. Louis R R stock, 

Manhattan Railway stock, 

Missouri, Kansas and Texas Railroad stock, 

Delaware & Hudson Canal Company stock, 

Securities deposited with United States banks, 

Securities deposited with foreign gov'ts, 



Cost Value. 

$798,652 50 

2,078,880 00 
908,970 00 
729,691 50 
675,142 00 
203,107 00 
374,054 00 
52,968 00 

1,156,983 00 

490,707 00 

32,084 14 

1,128,986 00 
227,500 00 

1,896,479 00 



Market Value. 

$810,750 00 

3,897,900 00 
977,500 00 
824,900 00 
740,175 00 
189,750 00 
400,300 00 
54,500 00 

1,156,400 (0 

502,800 00 

37,499 00 

1,046,853 00 
227,500 00 

1,896,479 00 



$51,467,659 21 $54,302,575 00 



" THE GERMANIA LIFE INSURANCE COMPANY," NEW YORK, N.Y. 

[Incorporated April 10, 1860. Commenced business July 16, I860.] 
Paid-up Capital, $200,000. 

Hugo Wesendonck, President. Hubert Cillis, Secretary. 



Income. 

New premiums without deductions, . 

Renewal premiums, 

Cash received for annuities, 

Total, 

Deduct amount paid for re-insurance, 

Total premium income, 

Cash received for interest, 

as discount on claims paid in ad 
for rents of company's property 
for policy fees, . 

Profit and loss account, .... 

Total income, 

Net or ledger assets Dec. 31, 1890, . 



vance, 



$417,675 87 

2,152,113 96 

36,176 41 

$2,635,966 24 
8,136 76 

$2,627,829 48 

717,639 82 

2,542 36 

87,967 92 

1,768 68 

62,158 36 

$3,499,906 62 
15,101,801 83 



Total, 



$18,601,708 45 



76 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Cash surrender values, including reconverted additions ap 

plied in payment of premiums, 

Cash dividends paid policy-holders, applied in payment of 

premiums, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 
for taxes and fees, . . . 
for rent, 

for commuting commissions, .... 
for furniture and office fixtures, 
for advertising and printing, .... 
for incidentals, 



Total disbursements, . 
Balance, 



$1,098,980 Go 
290,109 46 

11,389,150 11 

21,057 25 
223,980 82 

11,328 38 

216,506 66 

$1,862,083 22 

24,000 00 

361,692 55 

92,291 54 

22,601 51 

68,100 24 

17,625 10 

11,035 00 

445 04 

2,420 37 

13,168 50 

46,210 64 

. $2,521,733 71 

$16,079,974 74 



Invested in the following : — 



Assets as per Ledger Accounts, 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in office (and in transit since received), . 

Cash deposited in bank, 

Insurance scrip, 



$1,876,876 32 

8,716,413 75 

1,200 00 

390,758 42 

4,723,836 17 

93,993 69 

275,856 39 

1,040 00 



Ledger assets (as per balance), 



$16,079,974 74 



Other Assets. 



Interest due and accrued, 
Rents due and accrued, 



$71,832 55 
7,387 50 



1891] 



OF OTHER STATES. 



77 



Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent), . 

Net ain't of uncollected, and deferred prem's, 

Total assets per company's books, . 
Deduct special deposits in other States, . 



Balance, 



M 72,1 85 21 
328,776 35 



$500,961 56 
'100,192 31 



$84,482 03 
29,297 25 



400,769 25 



$16,673,743 32 
. 1,050,625 42 



$15,623,117 90 



Liabilities 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $15,388,619 00 
Deduct net value of re-insured risks, 11,082 00 



Net re-insurance reserve, 

Death losses due and unpaid, $394 26 

Matured endowments due and unpaid, . . . 3,475 20 
Death losses and matured endowments in 

process of adjustment, 101,165 18 

Due and unpaid on annuity claims, . . . 1,013 26 

Total policy claims, : 

Unpaid dividends of surplus due policy-holders, 
Extra reserve for lapsed, war and other policies, . 

Liabilities as to policy-holders, 

Deduct liabilities on special deposits, .... 



$15,377,537 00 



106,047 90 
42,532 12 
55,720 05 



£ 15,58 1,837 07 
. 1,037,105 30 



$14,544,431 77 
Surplus as regards special policy-holders, . $48,686 58 
Surplus as regards other policy-holders, . . 1,029,999 55 

Gross surplus, $1,078,686 13 

Paid-up capital, 200,000 00 

Surplus over capital, 878,686 13 

Gross liabilities, $15,623,117 90 



78 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

. 12,079 £23,104,054 00 

. 20,111 32,990,643 00 

401 1,227,545 00 

32,591 £57,322,242 00 



es issued during the Yea 

1,528 $4,501,626 00 

3,523 5,764,750 00 

26 111,110 00 


Old Policies revived. 

2 $647 00 
12 10,783 00 



5,077 10,377,486 00 



14 



11,430 00 



Whole life, , 
Endowment, 

Additions by dividends, . 



Old Policies increased. 

13 $36,214 00 

145 97,584 00 



158 



133,798 00 
75,548 00 



Total, 37,840 $67,920,504 00 



Policies terminated during the Year. 

Whole life, ... 945 $2,235,120 00 
Endowment, . . . 2,375 4,430,865 00 
All other, .... 107 349,606 00 





3,427 


$7,015,591 00 




How terminated. 


By death, . . . . 


515 


$1,067,552 00 


maturity, 


198 


287,265 CO 


expiry, . . . . 


19 


9,449 00 


surrender, 


549 


1,311,395 00 


lapse, . 


1,295 


2,368,565 00 


change and decrease, . 


212 


612,473 00 


Not taken, 


639 


1,358,892 00 



3,427 7,015,53 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1891. 

. 12,677 £25,438,398 00 
. 21,416 34,477,466 00 
320 989,049 00 
34,413 



$60,904,913 00 



1891.] 



OF OTHER STATES. 



7<) 



Fort Worth & Denver City Railroad bonds, 
Georgia Pacific Railroad bonds, 



Schedule A. 

Securities held as Collateral. 

Market Value. Loaned Tlureon. 

$981 25 ) 

1,010 oo S 



$1,991 25 



,200 00 



Schedule B. 
Slocks and Bonds oivned by the Company. 

Cost Value. Market Value. 

Virginia State bonds, . . . . $13,027 55 $18,695 50 

City of Denver, Col , warrants, . . . 19,600 00 19,600 00 

City of Lexington bonds, 46,125 00 46,125 00 

Newark, N. J., city bonds, .... 49,450 00 47,950 00 

Dominion of Canada bonds, .... 52,625 00 52,500 00 

Austrian government bonds, .... 129,885 13 131,090 85 

Hungarian government bonds, . . . 46,987 97 49,237 27 

Bavarian government bonds, .... 10,392 60 10,827 36 

Swiss government bonds, 19,358 69 19,249 44 

Atch , Topeka & Santa Fe Railroad bonds, . 34,066 73 36.036 25 

Chicago & St. Louis bonds, .... 23,500 00 22,600 00 

Atlantic Avenue Railroad bonds, . . . 26,187 50 26,250 00 

Baltimore & Ohio Railroad bonds, . . . . 84,780 00 86,012 50 

Brooklyn Elevated Railroad bonds, . . . 52,375 00 55,062 50 

Central Ohio Railroad bonds, .... 25,562 50 25,312 50 

Central Park, N. & E. River Railroad bonds, . 48,605 00 45,600 00 

Chicago & Alton Railroad bonds, . . . 86,577 50 81,127 50 

Chicago, Burl & Quincy Railroad bonds, . 31,012 50 28,600 00 

Chic, Mil. & St Paul Railway bonds, . . 172,692 50 168,720 00 

Chicago & Northwestern Railway bonds, . 398,003 75 423,330 00 

Chicago, Rock Island & Pacific Railway bonds, 73,615 00 70,665 00 

Chicago, St Louis & Pittsburg Railroad bonds, 59,780 00 56,440 00 

Chicago, St. Paul, Minn. & Omaha R.R. bds., 248,672 50 253,117 50 

Cincinnati, Sandusky & Cleveland R R. bonds, 43,050 00 44,940 00 

Cleveland, Cinn , Chic. & St. Louis R'y Co bds , 39,250 00 36,850 00 

Columbus, Hocking Valley & Toledo R.R. bds , 58,190 00 56,070 00 

Dayton & Michigan Railroad Company bonds, 20,900 00 21,050 00 

Dayton & Western Railroad bonds, . . . 5.525 00 5,550 00 

Delaware & Hudson Canal Company bonds, . 167,187 50 177,350 00 

East Tennessee, Virginia & Georgia R'y bonds, 36,225 00 33,600 00 

Elizabethtovvn, Lex & Big Sandy R'y bonds, . 42,600 00 33,200 00 

Flint & Pere Marquette Railroad bonds, . . 29,750 00 30,000 00 

Galveston, Harrisburg, St Antonio It R. bonds, 46,500 00 40,000 00 

Grand Rapids & Indiana Railroad bonds, . 20,040 00 18,400 00 

Hannibal & St. Joseph Railroad bonds, . . 17,531 25 17,568 75 

Illinois Central Railroad bonds, . . . 135,070 00 127,087 50 

Kentucky Union Railway bonds, . . . 47,875 00 47,500 00 



80 



LIFE INSURANCE COMPANIES [Dec. 31, 



King's County Elevated Railway bonds, . 
Lake Erie & Western Railroad bonds, 
Lake Shore & Michigan Southern R'y bonds, 
Long Island Railroad bonds, . 
Michigan Central Railroad bonds, . 
Milwaukee, Lake Shore & Western R'y bonds 
Minneapolis & St. Louis Railway bonds, . 
Minneapolis Street Railway Company bonds, 
Missouri Pacific Railway bonds, 
N. York Central & Hudson River R R. bonds 
New York, Lake Erie & Western R'y bonds, 
Northern Pacific Railroad bonds, . . . 
North Hudson County Railroad bonds, . 
Ohio & Mississippi Railway bonds, . 
Philadelphia & Reading Railroad bonds, 
Rio Grande Western Railroad bonds, 
St Joseph & Grand Island Railroad bonds, 
St Paul, Minneapolis & Manitoba R'y bonds, 
Savannah, Florida & Western R'y bonds, 
Second Avenue R R Co of New 7 York bonds, 
Syracuse Consolidated Street Railway bonds, 
Terre Haute & Indianapolis Railroad bonds, 
Texas & Pacific Railroad Company bonds, 
Third Avenue R.R Co. of New York bonds, 
Ulster & Delaware Railroad bonds, . 
Wabash Railroad Company bonds, . 
42d St., Manhattan & St. Nich. Av. R R stock, 



Cost Value. 

$50,000 00 
50,000 00 

120,450 00 
94,091 25 

124,196 25 
49,750 00 
56,910 00 
23,625 00 
92,200 00 

193,887 50 

271,612 50 

150,312 50 
50,750 00 
24,150 00 

125,700 00 

112,250 00 
32,250 00 

215,450 00 
53,812 50 
26,125 00 
94,900 00 
23,462 50 
45,875 00 
26,875 00 
49,875 00 

102,750 00 



Market Value. 

147,500 

54,625 00 
122,000 00 
93, 
121,555 00 
53,000 00 
50,400 00 
24,250 00 
85,150 00 

189.: 

288,615 00 

149,000 
52,500 00 
23,835 00 

129,200 00 

120,562 50 
27,300 00 

229,525 00 
56,000 00 
25,500 00 
r.000 00 
24,465 00 
41,875 00 
28,250 00 
49,500 00 

103,250 00 
1,900 00 



$4,723,836 17 $4,753,133 42 



"HOME LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated April 30, 1860. Commenced business May 1, I860.] 

Paid-up Capital, $125,000. 

Charles A. Townsesd, President. George E. Ide, Secretary. 

Income 

New premiums without deductions $293,309 42 

Renewal premiums, 911,086 19 

Cash received for annuities, 2,009 85 



Total, $1,206,405 46 

Deduct amount paid for re-insurance, 190 50 



Total premium income, 



. $1,206,214 96 



1891.] 



OF OTHER STATES. 



81 



Cash received for interest, 

for rents of company's property, 
for profits on bonds or stocks sold, . 

Total income, 

Xet or ledger assets Dec 31, 1891, . 



$286,511 57 

8,132 64 

128,587 05 

n ,629,446 12 
6,733,848 83 



Total, . ' $8,363,294 95 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in imyment of same, . 
Cash paid for matured endowments and additions,. 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered pol 

icies, and voided by lapse, 

Cash dividends paid policy-holders, $4,760.21 ; applied in pay 

ment of premiums, $86,969 50, .... 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, . . . . . 
Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 



Total disbursements, 
Balance, 



$399,452 17 

19,080 24 

86,335 84 

2,568 03 

$507,436 28 

3,034 13 

97,297 64 

30,351 17 

91,729 71 
66,769 90 

$796,618 83 

15,000 00 

182,139 95 

46,691 85 

18,313 50 

45,850 93 

12,744 73 

1,200 00 

9,209 23 

20,592 49 

$1,148,361 51 

$7,214,933 44 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 



$168,300 00 
1,844,850 00 

870,488 58 
98,821 03 

575,000 89 



82 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Bills receivable secured, 

Ledger assets (as per balance), 



1,351,869 71 

1,243 69 

244,111 63 

27,210 95 

20,057 24 

12,979 72 



. $7,214,933 44 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am"t of uncollected and deferred pram's, 

Total assets per company's books, . 



8217,307 
52,995 01 

8270,362 58 
54,072 52 



161,595 68 

1,126 57 

160,232 29 



216,290 06 



. ?7,654,178 04 



Items not admitted. 



Agents' 1 balances, 
Bills receivable, 
Total, . 



§20,057 24 
27,210 95 



47,268 19 



Total admitted assets, 



. $7,606,909 85 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent ), . 
Deduct net value of re-insured risks, 



Net re-insurance reserve, .... 
Death losses and matured endowments in process 

ment, 

Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 
Paid-up capital, .... 

Surplus over capital, 



$1, 



of adjust 



535,735 28 



Gross liabilities, 



$6,044,745 00 
114 00 

§6,044,631 00 

10,473 00 

14,513 21 

1,557 36 

$6,071,174 57 

125,000 00 
1,410,735 28 

$7,606,909 So 



1891.] OF OTHER STATES. 83 

Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . . $581,193 84 

Premium notes received during 1891, . . 149,716 5Q 

Total, $730,910 40 

Used in payment of losses and claims, . . $21,648 27 
Used in payment of surrendered policies and 

voided by lapse, 30,351 17 

Used in payment of dividends to policy-holders, 66,769 90 

Redeemed by maker in cash, .... 37,140 17 

Total, 155,909 51 



Balance note assets Dec. 31, 1891, $575,000 89 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount 

Whole life, . . . 11,538 $23,741,880 00 
Endowment, . . . 2,963 5,285,758 00 
Annuities, .... 31 - 

14,532 $29,027,638 00 

Policies issued during the Year. 

Whole life, . . . 3,594 $7,475,026 00 
Endowment, . . . 399 702,533 00 

Annuities, .... 118 338,750 00 

4,111 8,516,309 00 



Old Policies revived. 

Whole life, ... 30 $71,500 00 

Endowment, ... 15 22,000 00 



45 93,500 00 



Whole life policies increased, _ 21,400 00 

Additions by dividends, - 57,621 00 



Total, 18,688 $37,716,468 00 

Policies terminated during the Year. 
Whole life, . . . 2,083 $4,818,448 00 
Endowment, ... 388 731,244 00 

Annuities, .... 19 5,000 00 



2,490 $5,554,692 00 

How terminated. 
By death, .... 217 $418,532 00 
maturity, ... 52 88,904 00 



84 



LIFE INSURANCE COMPANIES [Dec. 31, 



By surrender, . 

lapse, . 

change and decrease, 
Not taken, . 



Whole life, 
Endowment, 
All other, . 



Number. 
750 

792 

4 

G75 



Amount. 

$1,881,340 00 

1,477,250 00 

134,166 00 

1,554,500 00 



Total No. 



Total Amount. 



2,490 ,554,692 00 



Policies in force Dec. 31, 1891. 
. 13,079 $26,491,917 00 
. 2,989 5,336,109 00 
130 333,750 00 



16,198 $32,161,776 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 



Union Trust Company stock, . 
Manhattan Life Insurance Co ,N Y , stock, 
Municipal Electric Light Co., X. Y , stock 
Title Guarantee & Trust Co , N. Y., stock 
Standard Oil Trust stock, . 
Washington Trust Company stock, 
Equitable Gas Light Company stock, 
Brooklyn Bank stock, 
Nassau Fire Insurance Company stock, 
Am. rican Exchange Second N'l Bank stock, 
Standard Fire Insurance Company stock, 
Consolidated Gas Company stock, . 
Atchison, Topeka & Santa Fe Railroad stock, 
Wabash common stock, .... 
Wabash preferred stock, .... 
Philadelphia & Reading Railroad bonds, . 
New York, Chicago & St Louis R R. stock, 
Reading Railroad bonds, .... 
Missouri Pacific Railroad stock, 
Missouri Pacific Railroad bonds, 
Chicago & Northern Pacific Railroad bonds, 
Chicago & Erie Railroad bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Pacific Mail Steamship stock, . 
Texas & Pacific Railroad bonds, 
Missouri, Kansas & Texas Railroad stock, 
Wabash Debenture Railroad bonds, 

Erie Railroad stock, 

St. Louis & Southwestern Railroad bonds, 
Lake Erie & Western Railroad stock, 
Missouri, Kansas & Texas Railroad stock, 



|i2>S800 00 

10 00 

3,750 00 >| 
3,000 00 

4.500 00 
1,750 00 \ 

250 00 
9,3<>0 00 

675 00 J 
6,750 00 
2,000 00 
6,180 00 
43,000 00^ 
4<»,600 00 
31,000 00 
17,400 00 
68,730 00 
10,640 00 
6,200 00 
89,100 00 
20,000 00 
90,210 00 
30,550 00 
6,600 00 
7,400 00 
22,400 00 
104,500 00 
4,950 00 
7,400 00 
36,000 00 
6,900 00 j 
2,800 00 J 



Amount Loaned. 

),000 00 

400 00 



20,44. 



4,200 00 
4,000 00 



} 350,000 00 



1891.] 



OF OTHER STATES. 



85 



Manhattan Elevated Railroad stock, 
Chase National Bank stock, 
Knoxville & Ohio Railroad bonds, . 
New Jersey Central Railroad stock, 
Great Northern Railroad stock, 
Philadelphia & Reading Railroad stock, . 
Missouri, Kansas & Texas Railroad bonds, 
Lake Erie & Western Railroad stock, 
Western Union Telegraph Company stock, 
Richmond Terminal Railroad stock, 
Syracuse Consolidated Street Railroad bonds, 
Pittsburgh, Painesville & Fairport R R. bonds, 
Metropolitan Trust Company stock, 
Central Trust Compan}' stock, . 
Central & S. American Telegraph Co. stock, 
Calumet & Chic Canal and Dock Co. stock, 
Gold and Stock Telegraph Company stock, 
American Speaking Telephone Co. stock, 
Central Trust Company stock, . 
United States Trust Company stock, 
Franklin Trust Company stock, 
Atlantic Trust Company stock, 
Guyandotte Coal & Land Association stock, 
Chic. June. R R & Union Stock Yards stock, 
Toledo & Ohio Central Railroad stock, . 
Wabash Railroad stock, .... 
Long Island Railroad stock, 
Chicago & Northwestern Railroad stock, 
Atchison, Topeka & Santa Fe Railroad stock, 
Western Union Telegraph Company stock, 
Oregon Railway & Navigation Co bonds, 
Peoria & Eastern Railroad bonds, . 
Consolidated Gas Company stock, . 
Western Union Telegraph Company stock, 
Lake Erie & Western Railroad stock, 
Long Island Railroad stock, 
Manhattan Elevated Railroad scrip, 
Chicago and East Illinois stock, 
Long Island Railroad stock, 
Atchison, Topeka & Santa Fe Railroad stock, 
New York & New England Railroad stock, 
Chicago & Northwestern Railroad stock, 
Northern Pacific Railroad stock, 



Market Value. 

$10,300 00 
87,200 00 ^ 

3,000 00 
11,200 00 
49,200 00 
12,000 00 } 
3,950 00 
3,450 00 
29,050 00 
8,400 00 
35,700 00 
9,000 00 
12,500 00 ^ 
25,000 00 j 
3,510 00 } 
1,500 00 | 
490 00 j 
3,040 00 > 
5,000 00 
7,500 00 
23,000 00 j> 
20,000 00 
10,000 00 
3,750 00 j 
8,100 00^ 
3,100 00 | 
29,100 00 
14,100 00 
2,150 00 
8,300 00 J 
13,950 00^ 
1,620 00 
30,900 00 
16,600 00 
6,900 00 
4,850 00 
9,000 00 
10,000 00 J 
9,700 00^ 
9,600 00 
8,400 00 > 
34,800 00 
3,550 00 



Amount Loaned. 

$8,000 00 



150,000 00 



22,446 08 



35,000 00 



56,000 00 



j- 50,000 00 



}> 75,000 00 



50,000 00 



$1,423,795 00 $870,488 58 



86 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

United States bonds, $723,723 41 $747,500 00 

Brooklyn city bonds 128,613 66 192,000 00 

Erie Railroad bonds, 109,083 75 116,850 00 

N. Y., Chicago & St. Louis Railroad bonds, . 221,412 50 212,800 00 

New York, Lac & Western Railroad bonds, . 97,500 00 105,000 00 

Albany & Susquehanna Railroad bonds, . . 241,925 00 258,000 00 

Morris & Essex Railroad bonds, . . . 207,967 50 270,000 00 

Chicago & Northwestern Railroad bonds, . 281,400 00 274,000 00 

Oswego & Syracuse Railroad bonds, . . 38,950 00 38,950 00 

Fidelity Loan & Trust Company bonds, . . 50,000 00 50,000 00 

Jefferson Railroad bonds 102,500 00 102,500 00 

Delaware & Hudson Railroad bonds, . . 79,091 25 77,000 00 

Monmouth County, N. J., bonds, . . . 23,605 00 23,100 00 

Michigan Central Railroad bonds, . . . 49,725 00 49,700 00 

Central Railroad of N. J. bonds, . . . 90,149 14 91,890 00 

Lake Shore & Mich So. Railroad bonds, . . 143,150 00 144,990 00 

La & Mo. River Railroad bonds, . . . 23,258 33 23,200 00 

N. Y. Central & Hudson River R R. bonds, . 105,750 00 107,000 00 

Buffalo & Erie Railroad bonds, . . . 45,320 00 45,400 00 

Rome, Watertown & Ogd's R R. bonds. . . 109,170 00 112,000 00 

Clev , Col., Cin & Ind'polis R.R bonds, . . 11,441 67 11,400 00 

Nashville & Decatur Railroad bonds . . 56,750 00 57,000 00 

New York & Harlem Railroad bonds, . . 5,900 00 5,950 00 

Kalamazoo & White Pigeon R R. bonds, . . 9,787 50 9,720 00 

Norfolk & Southern Railroad bonds, . . 28,500 00 .-,500 00 

Jackson, Lansing & Saginaw R.R. bonds, . 30,825 50 30,750 00 

Detroit, Monroe & Toledo Railroad bonds, . 12,325 00 12,400 00 

Brooklyn City Railroad bonds, . . . . 22,207 50 22,155 00 

Chicago, Burlington & Quincy R.R. bonds, . 26,693 00 27,500 00 

Long Island Railroad bonds, .... 17,500 00 18,000 00 

Gravesend Street Improvement bonds, . . 11,547 00 11,547 00 

Flatbnsh sewer bonds, 50,000 00 50,000 00 

Newark sewer bonds 50,000 00 50,000 00 

Central Trust Company stock, .... 29,500 00 75,000 00 

American Exchange National Bank stock, . 22,512 25 24,300 00 

National Bank of Commerce stock, . . . 31,085 75 36,000 00 



$3,351,869 71 $3,512,102 00 



1891.] 



OF OTHER STATES. 



87 



"THE MANHATTAN LIFE INSURANCE COMPANY,"' 
NEW YORK, N. Y. 

[Incorporated 1850. Commenced business Aug. 1, 1850.] 

Paid-up Capitax, $100,000. 

Henry B. Stokes, President. William C. Frazee, Secretary. 



Income. 

Xew premiums without deductions, . 

Renewal premiums, 

Cash received for annuities, 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, .... 
Cash received for interest, .... 

as discount on claims paid in advance, 
for rents of company's property, 

for profits on bonds or stocks sold, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 

Total, 



|507,177 45 

1,577,42.3 48 

1,805 60 

$2,086,408 53 
6,146 73 

$2,080,261 80 

581,701 94 

434 00 

16,009 10 

8,973 74 

$2,687,440 5S 
11,769,382 82 

$14,456,823 40 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered poli 

cies, and voided by lapse, 

Cash dividends paid policy-holders, applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 



$1,004,655 41 

82.031 69 

37,396 57 
484 43 

? 1,074,568 10 

3,607 23 

367,647 66 

30.032 24 

111,123 01 
3,491 67 

$1,590,469 91 

16,000 00 

383,645 29 

20,517 47 



88 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid for medical examiner's fees, .... 
for salaries of officers and office employees, . 
for taxes and fees, ...... 

for rent, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



$34,907 00 
70,325 04 
20,727 89 
14,679 17 
21,342 88 
83,076 66 

. |2,265,690 81 
$12,201,132 59 



Invested in the following: — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

C ish in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance), 



$334,253 82 

3,983,522 17 

4,225,462 50 

705,525 75 

2,607,899 14 

29,666 34 

194,802 87 

$12,201,132 59 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of real estate, over cost, . 
Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net amount of uncollected and deferred prem's, 

Commuted commissions, 

Total assets per company's books, . 



$224,367 91 
172.8^9 55 



$397,257 46 
79,451 49 



$115,033 04 

490 83 

164,566 18 

71,180 86 



317,805 97 
79,700 25 



$12,949,909 72 



Items not admitted. 
Commuted commissions, 

Total admitted assets, .... 
Deduct special deposits in other States, . 

Balance, . 



'9,700 25 



$12,870,209 47 
37,625 00 

$12,S32,584 47 



1891.] OF OTHER STATES. 89 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent ), . . . $11,568,776 00 
Deduct net value of re-insured risks, 5,742 00 



Net re-insurance reserve, $11,563,034 00 

Death losses and matured endowments in process of adjust- 
ment 179,983 00 

Unpaid dividends of surplus due policy-holders, . . . 44,077 76 
Miscellaneous 21,629 30 



Liabilities as to policy-holders, $11,808,724 06 

Deduct liabilities on special deposits, 37,625 00 



$11,771,099 06 
Surplus as regards special policy-holders, . $73,512 12 
Surplus as regards other policy-holders, . . 987,973 29 



Gross surplus, $1,061,485 41 

Paid up capital, 100,000 00 

Surplus over capital, 961,485 41 



Gross liabilities, $12,832,584 47 



Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . f808,461 81 

Premium notes received during 1891, . . 36,047 90 

Total, $844,509 71 

Used in payment of losses and claims, . . f 32,516 12 

Used in payment of surrendered policies and 

voided by lapse, 30,032 24 

Used in payment of dividends to policy-hold- 
ers 3,491 67 

Redeemed by maker in cash, . . . 12,943 93 



Total, 78,983 96 



Balance note asstts Dec. 31, 1891, $765,525 75 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, IS 90. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 15,646 $42,910,041 00 
Endowment, . . . 2,764 7,822,887 00 
Allother, .... 1,056, 3,767,82600 

19,466 $54,500,754 00 



90 



LIFE INSURANCE COMPAXI1 [Dec. 31, 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

Number. Amount. ToU ToUl Amooat. 

. 5,782 ? 13.01^,640 00 
395 1.162,031 00 
1,064,141 00 
6,419 $1 



Total, 25^85 $70,345,566 00 



Policies terminated during the Year. 

Whole life, . 3.539 $9,1 94,299 00 

Endowment, . . . 1,296337 00 

All other, .... 203 .00 





167 


$11,267,938 00 




How terminal 


Br death 


359 


$1,036,687 00 


maturity. 


29 


00 


purchase, 


356 


1 00 


lapse, . 


1,993 


81 00 


change and decrea 


181 


: oo 


Not taken, . 


1.249 


-1 00 



4,167 3 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec 31, IS 91. 

. 17.830 |tf ~- 00 

. 2,734 $8,081 00 

. 1,145 :<35 00 

718 $59,077,628 00 



Delaware & Hudson Canal Co , 
Chi _ & Northwestern Railway. 
Henderson Bridge Company. . 
-hville, Cha:- A St Louis R"y. 
oning: Coal Railroad, 
Union Trust Company, . 



00n 

oo) 



^ HEDULE A. 

5 :urilies held as Collateral. 

Market '•' 

Iowa Central Railway bond- $24,400 00 

385 shares Iowa Central Railway. . . . 15.100 00 

200 • Western Union Telegraph Co., . 16,600 00 

100 " Wagner Palace Car Company, . 14,000 

100 " Union Trust Company. ... 00 

100 " Denver A: Rio Grande Railroad, . ^00 00 ^ 

New York. Lake Erie A Western R.R. bonds, 00 j 

100 shares Northern Pacific Railroad, . . 7,100 00 i 

200 M Delaware & Hudson Canal Co , . 24,400 00 J 

80 " Chicago & Northwestern Railway,. 11.200 00 

200 " Henderson Bridge Company. . . 21,600 00^ 
300 " Nashville, Chatt. ft St. Louis Rv. . 
300 

20 



Amount Loaned. 

$40,06: 
65,000 00 



V 50,000 00 



-.-;: ■:•■: 



) oo , 

15,000 00 J 



)> 55,00 



1891.] 



OF OTHER STATES. 



91 



St. Louis, Alton & Terre Haute Railroad bonds 

Lehigh & Wilkesbarre bonds, . 

272 shares East River National Bank, 

100 " 42d St. & Grand St Ferry R R , 

500 " Consolidated Gas Company, . 

11 " Union Trust Company, . 
United States bonds, . 

90 shares N. Y. Central & Hudson River R R. 
25 shares Hanover National Bank, . 
Wabash Railroad bonds, .... 
45 shares American Telegraj:>h & Cable Co., 
Christopher & Tenth Street Railroad bonds, 
X. Y. Central & Hudson River RR bonds, 
Oregon Short Line & Utah Northern R'y bds 
Western Union Telegraph Company bonds. 
St. Louis, Kansas City & Northern RR. bonds 
Oregon Railway & Navigation Co. bonds, 

22 shares Union Trust Company, . 
300 " Wagner Palace Car Company, 
100 " Bank of the Metropolis, . 
210 " Citizens' Fire Insurance Company 
Citizens' Fire Insurance Company bonds, 
Georgia, Southern & Florida Railroad bonds, 
100 shares Union Trust Company, . 
100 shares Nashville, Chatt. & St. Louis R.R. 
Louisville, New Albany & Chicago R'y bonds 
Boulder County, Colorado, bonds, . 
Richardson County, Nebraska, bonds, 
Union Pacific Railway bonds, . 

50 shares Citizens' Insurance Company, 
200 " Wagner Palace Car Company, 

66 " Delaware, Lack. & Western R R., 
Milwaukee, Lake Shore & Western R R. bonds 
128 shares Citizens' Fire Insurance Company 
6 " Cleve., Cinn., Chic & St. Louis R'y 

17 " National Citizens' Bank, . 

20 " Union Trust Company, . 
100 " Western Union Telegraph Co 

40 " National Citizens' Bank, . 
Lehigh & Wilkesbarre bonds, . 
Oregon Short Line & Utah Northern R R. bds. 
Consumers' Gas Company bonds, . 
New York, Susq & Western RR bonds, 
Colorado Coal & Iron Company bonds, . 

68 shares N. Y., N. Haven & Hartford R R 

100 " N. Y., Ontario & Western R.R., 

101 " Consolidated Gas Company, . 
40 " Wagner Palace Car Company, 



Market Value. 

$2,100 00 

11,900 CO 

10,200 00 

24,000 00 

52,000 00 

8,200 00 

500 00 

10,400 00 

8,500 00 

20,600 00 

3,300 00^ 

1,000 00 

1,000 00 

2,000 00 

1,000 00 

1,000 00 

1,100 00 

15,500 00 

42,000 00 

35,000 00 

4,600 00 

2,000 00 

28,000 00 

75,000 00 

9,100 00 

2,000 00 

7,600 00 

3,600 00 

2,800 00 

1,100 00 

28,000 00 

4,500 00 

1,200 00 

2,800 00 

400 00 

600 00 

15,000 00 >, 

8,300 00 

1,500 00 

3,200 00 

3,000 00 

800 00 } 
6,200 00 
2,000 00 
15,300 00 
2,100 00 
10,500 00 
5,600 00 



Amount Loaned. 

$15,000 00 

6,500 00 
42,000 00 

11,000 00 
15,000 00 



}> 15,000 00 



50,000 00 

5,000 00 

20,000 00 
45,000 00 

1,500 00 

12,000 00 

750 00 

20,000 00 

1,600 00 

950 00 

2,000 00 



52,000 00 



4, CC0 00 



92 



LIFE INSURANCE COMPANIES [Dec. 31, 



200 shares Delaware & Hudson Canal Co , 
100 " Chicago, Mil ft St. Paul R B , 
200 " Denver & Rio Grande Railroad, 
Denver & Rio Grande Railroad bonds, 
Northern Pacific Railroad bonds, 
800 " Mechanics' National Bank, N. Y., 

10 " Chemical National Bank, 

238 " Citizens 1 Fire Insurance Company 
Citizens 1 Fire Insurance Company scrip, 
150 shares Columbia Bank, 
Houston & Texas Central Railroad bonds, 
Consolidated Stock Co., New York, bonds, . 
City of New York Dock bonds, 
27 shares Lackawanna Iron & Coal Co , 
62 " Morris ft Essex Railroad, 

11 " Chicago ft Northwestern Railroad 
100 " Madison Square Bank, . 
Delaware, Lackawanna & Western R R. bds 
Illinois Central Railroad Company bonds, 
New York, Chicago & St. Louis R.R. bonds 
"Wabash Railroad bonds, .... 
Chesapeake & Ohio Railroad bonds, 

Long Island Railroad bonds, . 
Northern Pacific Railroad bonds, 
Pennsylvania Railroad bonds, . 
Central Railroad of New Jersey bonds, . 
Chicago, Milwaukee & St. Paul R.R bonds, 
Lake Erie ft Western Railroad bonds, 
100 shares Union Trust Company, . 
400 shares Nashville, Cbatt. & St. Louis R'y, 
L'nion Pacific Railway Co. bonds, 
Missouri, Kansas & Texas Railway bonds, 
200 shares Chicago, Mil & St. Paul Railway 
100 shares Oregon Railway ft Navigation Co. 
Southern Pacific Railway of Cal bonds, . 
Kentucky Central Railway bonds, . 
Southern Pacific Railway of Cal. bonds, . 
300 shares Chic, Rock Isl. ft Pacific Railway 
200 " Clev., Cinn., Chic & St. Louis R'y 
100 " Delaware ft Hudson Canal Co , 
Louisville, New Orleans & Texas R.R bonds 
Gal , Harrisb'g & San Anto. Railway bonds, 
200 shares Tennessee Coal & Iron Co , . 
50 shares Chicago, Mil. & St. Paul Railway, 
Rich. & W. Ft Ter. R'y ft Wareh'se Co. b'ds, 
Oregon Improvement Co. bouds, 
Fort Worth & Denver City Railway bouds, 
Central Pacific Railroad bonds, 



Market Value. 

$21,400 00 ^ 
12,300 00 | 
9,600 00 j. 
16,400 00 | 
5,700 00 J 
38,000 I 
44,000 00 
5,200 00 
1,600 00 
37,500 
30,900 
5,00 

1,000 00 
2,700 00 
4.300 00 \ 
1,200 00 
15,000 00 
2,000 00 J 
9,600 001 
9,500 00 
10,300 00 
10,300 
8,900 00 
15,900 00 
10,800 00 
11,100 00 
10,800 00 
10,800 00 
75,000 00 
36,400 00 
1,100 00 
2.300 00 
24,600 00 ) 
8,6u0 00 $ 
16,600 00 ^ 
12,700 00 
15,000 00 
26,700 00 [ 
14,000 00 ' 
12,200 00 
7,600 00 
24,700 00 J 
19,000 00^ 
6,100 00 j 
12,400 00 I 
13,800 00 i 
4,900 00 i 
5,400 00 j 



Amount Loaned. 

$50,000 00 

60,000 00 

5,000 00 
15,000 00 



50,000 00 



} 80,00' 



40,000 00 
20,00 

500 00 
1,600 00 

26,000 00 



100,000 00 



50,000 00 



1891.] 



OF OTHER STATES. 



93 



Rich. & W. Ft Ter. R'y & Wareh'se Co. b'ds, 
Union Pacific Railway bonds, . 
Iowa Central Railway bonds, . 
200 shares Missouri Pacific Railway, 
200 " Chicago, Mil. & St. Paul Railway, 
100 " New York & New England R R , 
100 " R'd & W. Pt. Ter'l R'y & W'se Co 
100 " Consolidated Gas Company stock, 
200 " Cleve. Cinn., Chic & St. Louis R'y 
Chic, Milwaukee & St Paul R'y Co. bonds, 
Toledo, Ann Arbor & North Mich. R'y bonds 
200 shares Chic , Milwaukee & St. Paul R'y, 
100 " Consolidated Gas Company, . 
300 " Central Pacific Railroad, 
300 " St. Louis, Alton & Terre Haute R.R 
13 " Pullman's Palace Car Company, 
10 " Provi & Ston'gton Steamship Co , 
25 " Lake Erie & Western Railroad, 
300 " Pitts , Cinn., Chic & St. Louis R'y 
400 " Rio Grande Western Railway, 
125 " Western Union Telegraph Co , 
110 " State Trust Company, 
100 " N. Y , Lake Erie & Western R.R , 
Cleveland, Cinn., Chic. & St. Louis R'y bonds, 
200 shares St. Lo , Alton & Terre Haute R R , 
10 " Consolidated Gas Company, . 
80 " Missouri Pacific Railway, 
150 " Manhattan Railway, 
400 " Rio Grande Western Railway, 
150 " Western Union Telegraph Co , 
St. Louis, Alton & Terre Haute Railroad bonds 
Chicago Gas Company bonds, . 
Nashville & Chattanooga Railroad bonds, 
St. Louis South Western Railway bonds,. 
Ft. Worth & Rio Grande Railway bonds, 
Detroit, Bay City & Alpena Railroad bonds, 
Lacede Gas Light Co. bonds, . 
100 shares Clev , Cinn , Chic & St. Louis R'y 
400 " Lake Shore & Mich So. Railway, 
100 " N. Y. Cent. & Hudson River RR 
100 " Western Union Telegraph Co , 
500 shares Central R R. of New Jersey, . 
100 " Pullman's Palace Car Company, 
100 " Norfolk & Western Railroad, . 
200 " N. Y., Lake Erie & Western R.R , 
Missouri Pacific Railway bonds, 
San Antonio & Aransas Pass Railway bonds, 
Rich. & W. Point Ter. R'y & Ware'se Co. b'ds, 



Market Value. 

$6,200 00 ^ 
9,000 00 
8,800 00 
12 600 00 
24,600 00 
4,200 00 J 
6,00 ) 00 ) 
10,400 00 
14,000 00 
31,500 00 j 
20,400 00^ 
24,600 00 " 
10,400 00 
10,200 00 j 
38,400 00^1 
2,300 00 
1,500 00 
1,700 00 
19,500 00 '} 
28,800 00 
10,300 00 
21,400 00 
3,400 00 J 
13,800 001 
25,600 00 
1,000 00 
5,000 00 
15,700 00 j> 
28,800 00 
12,400 00 
5,700 00 
19,800 00 
3,300 00^ 
7,1< 00 
16,200 00 
8,500 00 
12,100 00 )> 
7,000 00 I 
49,200 00 
11,600 00 ! 
8,300 00 j 
56,000 00^ 
18,400 00 j 
5,400 Oo I 
6,800 00 )> 
36,800 00 j 
3,000 00 1 
6,800 00 J 



Amount Loaned. 



j> $50,000 00 



)■ 50,000 00 



!> 50,000 00 



100,000 00 



100,^00 00 



100,000 00 



100,000 CO 



94 



LIFE INSURANCE COMPANIES [Dec. 31, 



Central Railroad of New Jersey bonds, . 
600 shares Western Union Telegraph Co., 
Duluth, South Shore & Atlantic R'lvvay bonds 
Cleveland & Canton R'lvvay bonds, . 
St. Louis & San Francisco Railway bonds, 
St. Louis, Iron Mt. & Southern R'lvvay bonds 
500 shares Lake Erie & Western Railroad, 
Wisconsin Central Railroad bonds, . 
Rich. & W. Pt. Ter. R'y & Wareh'se Co. b'ds, 
100 shares Central Railway of New Jersey, 
Knoxville & Ohio Railroad bonds, . 
Richmond & Danville Railroad bonds, 
200 shares N. Y., Lake Brie & Western R.R., 
100 shares Chicago, Rock Isl'd & Pac. R'lvvay 
Chicago & Erie Railway Co. bonds, 
N. Y., Lake Erie & West. Coal & R.R. bonds 
West Va. Central & Pittsburgh Railway bonds 
Wisconsin Central Railroad bonds, . 
300 shares Lake Shore & Mich. Southern R'y, 
600 shares Cleve., Cinn., Chic. & St. Louis R'y 
Burl , Cedar Rapids & Northern R'y bonds, 
Chic , St Paul, Minn. & Omaha R'y bonds, 
Chicago & Indiana Coal Railway Co. bonds, 
600 shares Chicago & Eastern Illinois R.R., 
Rio Grande Western Railway bonds, 
Chicago, Milwaukee & St. Paul R'y bonds, 
100 shares Chesapeake & Ohio Railway, . 
Wabash Railroad bonds, .... 
Rich. & W. Pt. Ter. R'y & Wareh'se Co. b'ds, 
20 shares Central Railroad of New Jersey, 
Colum., Hocking Valley & Toledo R'y bonds 
Pittsburgh & Western Railroad bonds, . 
100 shares N. Y., Chic. & St. Louis Railway, 
500 " N. Y., Lake Erie & Western R R., 
50 " Lake Erie & Western Railroad, 
St. Louis & Southwestern Railway bonds, 
Texas & Pacific Railway bonds, 
400 fchares Manhattan Railway, 
150 " Oregon Railway & Nav. Co., . 
60 " N. Y. Central & Hudson R. R.R., 
200 " Cleve, Cinn., Chic &St Louis R'y 
50 " Chicago & Eastern Illinois R R., 
250 " Missouri Pacific Railway, 
140 " Pullman's Palace Car Company, 
Wabash Railroad Company bonds, . 
Canada Southern Railway bonds, 
Chesapeake & Ohio Railway bonds, 
Oregon Improvement Company bonds, . 



Market Value. 

$1,200 00 ^ 
49,800 00 
2/J00 00 
800 00 
2,800 00 
800 00 
34,500 00 
2,700 00 
1,800 00 
11,200 00 
3,200 00 
3,300 00 
6,800 00 
8,900 00 J 
281,300 00 ) 
17,000 00 S 
25,000 00) 
23,200 00 ( 
36,900 00 ( 
42,000 00 j 
25,000 00) 
58,300 00 



Amount Loaned. 



} $100,000 00 



1,000 00 



48,600 00 J 

15,200 00^ 
6,400 00 
6,000 00 

21,500 00 
4,500 00 
2,200 00 
8,800 00 f. 
4,100 00 
7,800 00 

33,400 00 J 
3,400 00 ] 

17,700 00 
5,200 00 J 

42,000 00 1 

12,900 00 
6,900 00 

14,000 00 
5,100 00 

15,700 00 )> 

25,700 00 
4,100 00 
1,000 00 
1,000 00 
2,700 00 j 



200,000 00 
100,000 00 



J. 100,000 00 



100,000 00 



100,000 00 



1891.] 



OF OTHER STATES. 



95 



100 shares Chic , St. Paul, Minn. & Omaha R'y 
300 " St. Paul, Minn. & Manitoba R'y, 
100 " Chicago & Eastern Illinois R.R., 
400 " Central Railroad of New Jersey, 
100 " Northern Pacific Railroad, 
100 " Pullman's Palace Car Company, 
100 " Western Union Telegraph Co , 
300 " Chic, Milwaukee & St. Paul R'y, 
Wabash Railroad bonds, .... 
St. Louis & Southwestern Railway bonds, 
Texas & Pacific Railway bonds, 
Southern Pacific Railway Co. of Cal. bonds, 
Gal., Harrisburg & San Antonio R'y bonds, 
Louisville, New Orleans & Texas R'y bonds, 
200 shares Wagner Palace Car Company, 

20 " Columbia Bank, 

10 '* Union Trust Company, . 
100 " Morris & Essex Railroad Company 

50 " Consolidated Gas Company, . 

50 " Chic, Rock Island & Pacific R'y, 
Denver & Rio Grande Railroad Co bonds, 
Long Dock bonds, ..... 
New York, Lake Erie & Western R.R. bonds 
International & Great Northern RR bonds, 
Northern Pacific & Montana R.R. bonds, . 
Missouri Pacific Railway bonds, 
Milwaukee & Madison Railroad bonds, . 
Union Pacific Railway bonds, . 
Oregon Railway & Navigation Co. bonds, 
Central Railroad of New Jersey bonds, . 
Chicago, Rock Island & Pacific R'y bonds, 

25 shares Commercial National Bank, . 
275 " Clevc, Cinn., Chic & St Louis R'y 
100 " Chic , Milwaukee & St. Paul R'y, 
200 " Manhattan Railway, 
500 " Western Union Telegraph Co., 
100 " Delaware & Hudson Canal Co., 
100 " N. Y. Central & Hudson R. R.R, 
New l r ork, Lake Erie & Western RR. bonds 
New York, West Shore & Buffalo R.R. bonds 
Missouri, Kansas & Texas Railway bonds, 
New Y"ork, Chicago & St. Louis R'y bonds, 
700 shares Cleve , Cinn., Chic. & St Louis R'y 
200 "' Manhattan Railway, 
100 " Oregon Railway & Navigation Co. 
200 " Western Union Telegraph Co., 
Laclede Gas Light Company bonds, 
Missouri Pacific Railway bonds, 
St. Louis, Iron Mt. & Southern R.R. bonds, 



Market Value. 

$11,000 b0> 
34,200 00 
10,300 00 
44,800 00 
7,100 00 
18,400 00 J 
8,300 001 
36,900 00 | 
13,100 00 }> 
3,500 00 j 
4,100 00 J 
50,000 00^ 
47,500 00 i 
29,700 00 ) 
28,000 00 1 
5,000 00 
7,500 00 
7,100 00 
5,200 00 
4,400 00 
2,400 00 
5,000 00 
2,200 00 }> 
4,300 00 
2,', 00 00 
5,300 00 
1,000 00 
4,400 00 
6,600 00 
22,200 00 
10,300 00 
5,000 00^ 
19,200 00 
12,300 00 
21,000 00 j- 
41,500 00 
12,200 00 
11,600 00 j 
10,600 00^ 
1,000 00 
2,300 00 
13,400 00 
49,000 00 
21,000 00 
8,600 00 
16,600 00 J 
9,700 00 
63,400 00 
52,000 00 



Amount Loaned. 



} $100,000 00 



50,000 00 



100,000 00 



100,000 00 



100,000 00 



y 100,000 oo 



100,000 00 



9(3 



LIFE INSURANCE COMPANIES [Dec. 31, 



300 shares Buffalo, Rochester & Pitts. R'y, 
200 " American Telegraph & Cable Co , 
300 " Western Union Telegraph Co., 
200 " Manhattan Railway Company, 
100 " Lake Erie & Western Railroad, 
100 " Fitchburg Railroad, 
Texas & Pacific Railway bonds, 
Chicago Gas Company bonds, . 
Peoria & Pekin Union Railway bonds, 
East Tennessee, Va. & Georgia R.R. bonds, 
Detroit, Mackinac & Marquette R.R bonds, 

Sioux City bonds, 

Metropolitan Elevated Railway bonds, . 
Kings County Elevated Railway bonds, . 
Texas & Pacific Railway bonds, 
200 shares Pullman's Palace Car Company, 
300 " Toledo & Ohio Central R'y Co , 
200 " Long Island Railroad, . 
200 " Cleve., Cinn , Chic & St. Louis Ry 
400 " NY, Lake Erie & Western R R. 
100 " Missouri Pacific Railway, 
100 " Chicago, Mil. & St. Paul R.R., 
1400 " Western Union Telegraph Co , 
500 " Manhattan Railway Company, 
1000 " Missouri Pacific Railway Co , 
St Louis, Iron Mt. & Southern R.R. bonds, 
Missouri Pacific Railway bonds, 
Toledo, St Louis & Kansas City R R. bonds, 
Elizabethtown, Lex & Big Sandy R R bonds 
100 shares St, Paul & Duluth Railroad, . 
200 " Chicago, Mil. & St. Paul R'y, . 

10 " Chic , Rock Island & Pacific R'y, 
100 " N. York Central & Hudson R. R R. 
300 " Cleve , Cinn , Chic & St Louis R'y 
100 " Oregon R'way & Navigation Co., 
100 " Chic , Burlington & Quincy R R , 
100 " Chicago, Rock Island & Pacific R'y 
300 " St Paul, Minn. & Manitoba R'way 
100 " Pullman's Palace Car Company, 
Chicago, Mil. & St. Paul Railway Co. bonds, 
Wabash Railroad bonds, .... 
Ohio & Mississippi Railway bonds, . 
200 shares Intermit £ Great Northern R R., 
100 shares Cleve , Cinn , Chic & St. Louis R'y 
Chicago, Mil. & St. Paul Railway Co bonds, 
Chicago, Burl. & Northern Railroad bonds, 
Louisville & Nashville Railroad bonds, . 



Market Value. Amount Loaned. 

$23,700 001 
16,200 I 
24,900 00 
21,000 00 

6,900 00 

8,000 00 

2,200 00 [ $100,000 00 
12,400 00 
600 00 
900 00 

3,900 00 

4,000 00 

3,100 00 J 

5,000 001 

3,200 00 
36,800 00 
28,500 00 

9,500 00 } 
14,000 
13,600 00 

6,300 0(i 

12,300 00 J 

116,200 00 

52,500 00 

63,000 00 } 400,000 00 

147,000 00 I 

159,000 00 J 

18,400 00^ 

16,000 00 J 

10,400 00 )> 50,000 00 
16,400 00 I 
800 00 J 
11,600 001 
21,000 00 j 

8,600 00 }> 50,000 00 
10,900 00 

8,900 00 J 
34,200 00 >| 
18,400 00 | 
15,400 00 ' 

9,000 00 

9,500 00 
24,600 00- 100,000 00 

7,000 00 
2,000 00 
1,000 00 
4,500 00 J 



1891.] 



OF OTHER STATES. 



97 



Toledo, Peoria & Western Railway bonds, 
Minneapolis & St. Louis Railway bonds, . 
Dakota & Great Southern Railway bonds, 
Columbus, Hocking Valley & Tol R'y bonds 
Louisville, New Albany & Chic. R'way bonds 
Utah Southern Railroad bonds, 
200 shares Chicago, Burl & Quincy Railroad 
Northern Pacific Railroad bonds, 
Wabash Railroad bonds, .... 
Columbus & Indianapolis Central R R. bonds 

50 shares Lake Shore & Mich. Southern R'y 
500 " NY, Lake Erie & Western R R., 
100 " Chic , Rock Island & Pacific RVay 
Pittsburgh & Western Railroad bonds, . 
Detroit, Bay City & Alpena Railroad bonds, 
Fort Worth & Rio Grande Railway bonds, 
Laclede Gas Light Company bonds, 
200 shares N. Y Central & Hud River RR., 
Toledo, St Louis & Kansas City R.R. bonds, 
Northern Pacific Raili oad bonds, 
Missouri, Kansas & Texas Railway bonds, 
Oregon Railway & Navigation Co bonds, 
Wisconsin Central Railroad bonds, . 
Central Railroad of New Jersey bonds, 
Richmond & Danville Railroad bonds, 
Wabash Railroad bonds, . 
Chicago Gas Company bonds, . 
Oregon Short Line & Utah No. R'way bonds, 
Louisville, New Albany & Chicago R'y bonds 
New York Elevated Railway bonds, 
Texas & Pacific Railway bonds, 
St. Joseph & Grand Island Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
100 shares Western Union Telegraph Co , 

36 " NY Central & Hud. River R R , 
200 " Cleve,Cinn,Chic & St. Louis R'y 
Flint & Pere Marquette Railroad bonds, . 
New York, Lackawanna & West. R R bonds 
Rome, Watertown & Ogdensburg R.R. bonds 
Mobile & Ohio Railroad bonds, 
Columbus, Hocking Val. & Toledo R'y bonds 
St. Paul, Minn & Manitoba Railway bonds, 
Oregon Improvement Company bonds, . 
Chicago, Mil. & St Paul Railway bonds, 
Morris & Essex Railroad bonds, 
200 shares Chicago, Mil. & St Paul Railway, 
100 " Michigan Central Railroad, . 
100 " Central Pacific Railroad, 



Market Value. Amount Loaned. 
$8,500 00 ^ 

11,800 00 

6,100 00 

5,200 00 

5,600 00 
14,000 00 
21,800 00 j> $100,000 00 
10,400 00 

8,300 00 
12,000 00 ! 

6,100 00 j 
17,000 00 I 

8,900 00 j 
20,700 00) 

8,500 00 j 

7,400 00 }> 50,000 00 

4,000 00 I 
23,200 0(0 
23,000 00) 
10,400 00 

4,700 00 

3,800 00 

2,700 00 

2,200 00 

2,400 00 

2,000 00 

3,500 00 

1,000 00 

7,900 00 
11,400 00 

4,900 00 

9,100 00 
12,700 00 

8,300 00 

4,000 00 
14,000 00 j 

9,400 00 >i 

2,500 00 

2,200 00 
11,900 00 !» 40,000 00. 

2,600 00 

6,000 00 
13,800 00 J 
18,300 00) 
13,400 00 | 

16,400 00 [ 50,000 00 
10,500 00 I 

3,400 00 J 



100,000 00 



98 



LIFE INSURANCE COMPANIES [Dec. 31, 



500 shares Chicago & Northwestern Railway, 
200 " St. Paul, Minn & Manitoba RVav 
200 " Western Union Telegraph Co , 
400 " Lake Erie & Western LI R stock, 
Northern Pacific Railroad bonds, 
Wabash Kailroad bonds, .... 
Atchison, Topeka & Santa Fe Railroad bonds 
100 shares Missouri Pacific Railway, 
100 " Chicago, Mil. & St. Paul Railway, 
100 " Pullman's Palace Car Company, 
100 " Northern Pacific Railroad, 
200 " Lake Erie & Western Railroad, 



Market Value. Amount Loaned. 

$58,000 00^ 
22,800 00 I 

16,600 00 f * 100 ' 000 °° 
27,600 00 J 

3,200 00^ 

4,900 00 

3,200 00 

6,300 00 

8,200 00 
18,400 00 

7,100 00 
13,800 00 j 



} 50,000 00 



K>,G42,900 00 $1,225,462 50 



Schedule B. 
Slocks and Bonds owned by the 



United States bonds, .... 

Virginia State bonds, .... 
Mississippi State bonds, .... 
Lake Shore & Mich. South. R.R. bonds, . 
Central Park, N. & E River R.R. bonds, . 
Harlem River & Port Chester R.R. bonds, 
Union Pacific R.R bonds, .... 
Union Pacific R R. notes, .... 
Escanaba & Lake Sup. R R bonds, . 
Albany & Susquehanna R.R bonds, 
Ohio & Mississippi R R bonds, 
Missouri Pacific R R bonds, . . 
50 shares Bank of Commerce, New York, 
New York, Susq & Western bonds, 
Dakota & Great Southern bonds, 
Chesapeake & Ohio bonds, 
Wabash Railroad bonds, .... 
Morgan's Louis. & Tex. R R. & St'ship Co bds 
Sewer & Drainage Cert of New Rochelle, N.Y. 
500 shares Consolidated Gas Co of New York 
Town of Danville, Ya , bonds, 
Beech Creek Railroad bonds, . 
Chicago, Burl. & Quincy Railroad bonds, 
Chicago, Mil. & St Paul Railway bonds, 
Denver & Rio Grande Railroad bonds, . 
Louisville, St. Louis & Texas Railway bonds 
Morris & Essex Railroad bonds, 
N. Y., Lake Erie & Western Railroad b nds, 
N. Y., L. Erie & West. Docks & Imp. Co. bonds 
Third Avenue Railroad bonds,. 



Company. 

Cost Value. 

? 118,098 70 

4,500 00 

10,000 00 

478,193 92 

115,325 00 

102,500 00 

176,862 63 

99,900 00 

34,800 00 

59,000 00 

58,000 00 

111,250 00 

4,-160 00 

49,250 00 

100,000 00 

98,375 00 

101,805 55 

. 70,805 28 

95,000 00 

49,062 50 

10,250 00 

97,500 00 

86,010 00 

79,389 17 

78,000 00 

13,557 50 

136,500 00 

67,013 89 

52,500 00 

110,000 00 



Market Value. 

$135,125 00 

15,960 00 

10,000 00 

488,000 00 

116,000 00 

106,000 00 

163,000 00 

102,870 00 

33,150 00 

.500 00 

60,000 00 

106,500 00 

9,500 00 

52,000 00 

103,500 00 

103,750 00 

103,250 00 

71,100 00 

95,000 00 

52,125 00 

10,000 00 

98,000 00 

90,000 00 

83,625 00 

-l'.oOO 00 

13,125 00 

140,000 00 

64,000 00 

58,000 00 

112,500 00 



$2,667,899 14 $2,739,080 00 



1891.] 



OF OTHER STATES. 



99 



" METROPOLITAN LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated June, 1866. Commenced business January, 1867.] 

Paid-up Capital, $2,000,000. 

John R. Hegeman, President. George H. Gaston, Secretary. 



Income. 

Total premium income, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of -company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



Disbursements. 

Cash paid for losses and additions, . 

Premium notes or loans used in payment of same, . 

Cash paid for matured endowments and additions, . 



$10,830,373 38 

557,548 08 

347 00 

35,228 22 

$11,423,496 68 
. 10,696,734 30 

$22,120,230 98 



$4,407,315 90 
1,062 85 
5,042 00 



Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered poll 

cies, and voided by lapse, 

Cash dividends paid policy-holders, applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 

for commissions to agents, .... 

for salaries and travelling expenses of agents, 

for medical examiner's fees, .... 

for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 

for furniture and office fixtures, 

for advertising and incidentals, 
Profit and loss account, 



$4,413,420 75 
17,717 37 

2,622 16 

26,368 99 
2,831 52 



$4,462,960 79 

126,000 00 

1,752,233 59 

846,616 62 

80,919 50 

245,387 26 

89,962 36 

24,873 51 

725,030 08 

3,393 64 

295,397 34 

7,243 99 



Total disbursements, $8,660,018 68 

Balance, $13,460,212 30 



100 



LIFE INSURANCE COMPANIES [Dec. 31, 



Invested in the folio wins: : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, . 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, 



$1,751,750 89 

8,134,200 00 

5,000 00 

9,500 00 

113,366 84 

3,332,381 35 

114,013 22 

$13,4(50,212 30 
18,137 60 

$13,442,074 70 



Other Assets. 

Interest due and accrued, .... ... $146,414 04 

Rents due and accrued, .... ... 406 66 

Uncollected premiums on policies in force, . $14,598 97 

Deferred premiums on policies in force, . . 32,967 04 

Total, $47,566 01 

Deduct loading (20 percent.), . . . . 9,513 20 

Net amount of uncollected and deferred prem's, 38,052 81 

Total assets per company's books, .... $13,626,948 21 
Deduct special deposits in other States, 129,900 00 

Balance, $13,497,048 21 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent.), . . . $10,441,998 00 

Policy claims unpaid, 32,187 59 

Unpaid dividends of surplus due policy-holders, . . . 42,466 10 
Premiums paid in advance, 23,548 34 

Liabilities as to policy-holders, . . . ... $10,540,200 03 

Deduct liabilities on special deposits, 98,214 00 

$10,441,986 03 
Surplus as regards policy-holders, . . . $3,055,062 18 

Paid-up capital, 2,000,000 00 

Surplus over capital, 1,055,062 18 

Gross liabilities $13,497,048 21 



1891.] 



OF OTHER STATES. 



101 



Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . $115,616 31 

Premium notes received during 1891, . . 4,267 06 

Total, 

Used in payment of losses and claims, . . $1,062 85 
of surrendered policies and 

voided by lapse, . . 2,622 16 
of dividends to policy-hold- 
ers, 2,831 52 

Total, 

Balance note assets Dec. 31, 1891, 



$119,883 37 



6^16 53 



$113,366 84 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 



Exhibit of Policies. 

Policies and Additions in force Dec. 31, IS 90. 

Number. Amount. Total No. Total Amount. 

. 3,107 $3,747,592 00 
141 123,077 00 
39 51,817 00 
3,287 $3,922,486 00 

Policies issued and revived during the Year. 
155 $167,011 00 

23 26,500 00 
178 193,511 00 



Total, 3,465 $4,115,997 00 



Policies terminated during the Year. 

Whole life, ... 271 $315,578 00 
Endowment, ... 40 32,042 00 

All other, .... 1 495 00 







312 


$348,115 00 






How terminated. 


By death, . 


. 


86 


$106,313 00 


maturity, 


. . 


11 


5,042 00 


surrender, . 


. . 


60 


77,155 00 


lapse, . 


. 


150 


153,505 00 


change and decrease, . 


2 


3,000 00 


Not taken, . 


• • 


3 


3,100 00 



312 



348,115 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, IS 91. 

. 2,991 $3,599,025 00 

124 117,535 00. 

38 51,322 00 



Industrial policies in force, 



3,153 $3,767,882 00 
2,278,487 254,939,881 00 



102 



LIFE INSURANCE COMPANIES [Dec. 31, 



Baltimore & Ohio Railroad bonds, . 
Columbus & Indianapolis Central R.R. bonds, 



Schedule A. 
Securities held as Collateral. 

Market Value. Loaned Thereon. 

$5,400 00 



$6,580 00 



$5,000 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Valne. 3Iarkct Valne. 

Albany & Snsquehanna Railroad bonds, . . $22,710 00 $24,200 00 

Akron & Chicago Junction R R. bonds, . . 99,750 00 99,500 00 

Baltimore & Ohio Railroad bonds, . . . 54,000 00 54,500 00 

Baltimore Belt Railroad bonds, . . . 10 1,250 00 102,000 00 

Canadian Pacific Railroad bonds, . . . 113,104 15 118,200 00 

Central Ohio Railroad bonds, .... 102,500 00 101,260 00 

Chicago, St. Paul, Minn & Omaha R R. boa 57,825 00 59,812 50 

Cleveland, Col., Cm. & Ind. Railroad bonds, . 33,965 00 36,975 00 

Chicago, Milwaukee cV: St. Paul R.R. bonds, . 142,612 50 144,750 00 

Chicago v.V Eastern Illinois Railroad bonds, . 57,527 50 58,750 00 

Chi. Indiana Coal Railroad bonds, . 46,218 75 48,500 00 

Chicago & Western Indiana Railroad boDd- 77,125 00 710 00 

Columbus & Toledo Railroad bond-. . . 26,950 00 25,300 00 

Chicago, Burlington & Northern R.R. bond>, . 52,682 50 51,500 00 

Canada Southern Railroad bonds. . . . 107,999 24 -.500 00 

Central Railroad of New Jersey bonds, . . 100,750 00 111,500 00 

Cincinnati. Sandusky A Cleveland R R. bonds, XK) 00 81,000 00 

Chicago. Rock Island ft Pacific R R bonds, . 26,968 25,875 00 

Consolidated Stock of the City of New York, 100,125 00 98,000 00 

Delaware ft Hudson Canal Company bonds, . 18,720 00 17,400 00 

Detroit. Bay City ft Alpena Railroad bonds, . 52,968 75 .000 00 

Puluth ft Iron Range Railroad bonds. . . 28,364 16 30,070 00 

Fremont, Elkhorn ft Miss Valley R R. bonds, 77.229 37 77.760 00 

Hannibal & St Joseph Railroad bond- . 30,386 25 29.281 25 

Louisville, New Albany ft Chic R.R. bonds, . 60,270 00 61,740 00 

Lake Erie & Western Railroad bonds, . . 55,438 07 54,750 00 

Michigan Central Railroad bonds, . . . 98,000 00 100,000 00 

Morgan's La. A Texas Railroad <£: S S. Co., . 26,750 00 .750 00 

Missouri Pacific Railroad bonds, . . . 56,312 50 53,250 00 

Milwaukee. Lake Shore &■ Western R R bonds, 30,093 75 30,500 00 

Mobile ft Girard Railroad bonds, . . . 45,000 00 45,000 00 

Minneapolis A >t Lours Railroad bon- . 29,500 00 29,000 00 

Northern Illinois Railroad bonds, . . . 26,750 00 26,000 00 

Northern Pacific Railroad bonds, . . . 55.225 00 55.460 00 

Ohio River Railroad bonds, .... 94,750 00 94,000 00 

Peekskill (N Y.) bond- .60 30,750 00 

Pacific (of Missouri) Railroad bonds, . . 100,750 00 105,000 00 



1891.] 



OF OTHER STATES. 



103 



St. Joseph & Grand Island Railroad bonds, 
St. Paul & Northern Pacific Railroad bonds, 
St Louis, Alton & Terre Haute R R. bonds, 
Third Avenue, New York City, R R. bonds, 
Tol., Ann Arbor & Grand Trunk R.R bonds 
Terre Haute & Indianapolis Railroad bonds, 
Ulster & Delaware Railroad bonds, 

United States bonds, 

Western New York & Penn. Railroad bonds, 
Wabash Railroad bonds, .... 
Western Transit Company bonds, . 
West Side Railroad, Milwaukee, bonds, . 



Cost Value. 

$52,781 25 

58,692 50 

106,750 00 

166,125 00 

26,437 50 

25,625 00 

149,625 00 

116,067 93 

60,000 00 

153,208 33 

51,750 00 

49.875 00 



Market Value. 

$45,500 00 

59,000 00 

106.000 00 

168,750 00 

27,750 00 

26,875 00 

148,500 00 

125,210 00 

18,000 00 

154,875 00 

50,750 00 

49,500 00 



1,332,381 35 $3,314,243 75 



"THE MUTUAL LIFE INSURANCE COMPANY OF NEW YORK," 

NEW YORK, N. Y. 



[Incorporated April, 1842. Commenced business Feb. 1, 1843.] 

Richard A. McCurdf, President. William J. Easton, Secretary. 



Income. 

New premiums without deductions, . 

Renewal premiums, 

Cash received for annuities, .... 

Total, 

Cash received for interest, .... 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



Disbursements. 
Cash paid for losses and additions, . 
Cash paid for matured endowments and additions, 



. $8,807,542 51 

. 20,344,453 37 

940,321 99 

$30,092,317 87 

. 6,847,240 80 

695,175 86 



$37,634,734 53 
140,242,536 96 



$177,877,271 49 



. $9,418,946 29 
. 1,493,931 17 



$10,912,877 46 
199,997 02 



Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash surrender values, including reconverted additions ap- 
plied in payment of premiums, 4,525,269 26 

Cash dividends paid policy-holders, applied in payment of 
premiums, 3,117,568 12 



Total paid policy-holders, . 



$18,755,711 86 



104 



LIFE INSURANCE COMPANIES [Dec. 31 j 



Cash paid for commissions to agents, 

for medical examiner's fees and salaries, 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for salaries and expenses of law department, 

for advertising, 

for incidentals, 

.for contingent guarantee account, . 

Total disbursements, 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 

Loans on collateral security (schedule A), 

Book value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Suspense account, 

Commuted commissions, 

Ledger assets (as per balance), 



$4,227,629 35 
322,410 75 
432,405 13 
375,866 01 
140,000 00 
188,654 60 
165,129 32 
1,301,716 99 
197,455 18 

$26,107,039 19 



$151,770,232 30 



$14,902,703 27 

66,442.837 21 

10,223,903 90 

54,441,350 70 

8,093 43 

5,062,059 60 

135,027 71 

376 17 

553,880 31 

$151,770,232 30 



Other Assets. 

Interest due and accrued, $955,979 93 

Rents due and accrued, 92,771 76 

Market value of stocks and bonds, over book, . . . 3,220,105 08 
Uncollected premiums on policies in force, . $1,439,442 19 
Deferred premiums on policies in force, . . 2,028,607 42 



Total, $3,468,049 61 

Deduct loading (20 per cent.) 693,609 92 

Net am't of uncollected and deferred prem's, 2,774,439 69 



Total assets per company's books, 



$158,813,528 76 



Items not admitted. 

Commuted commissions, $553,880 31 

Agents 1 balances, 135,027 71 

Suspense account, 376 17 

Total 689,284 19 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



$158,124,244 57 
2,228,010 00 

$155,896,234 57 



1891.] 



OF OTHER STATES. 



105 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing- policies (actuaries' 4 per cent.), 
Death losses and matured endowments in 

process of adjustment, . 
Claims resisted b} r the company, 
Due and unpaid on annuity claims, . 

Total policy claims, . 
Liability under non-forfeiture clause, 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Gross liabilities,. 



$146,364,547 00 



$344,168 53 

119,255 00 

9,389 92 



472,813 45 

121,506 00 

35,036 07 

$146,993,902 52 
2,182,118 00 

$144,811,784 52 
11,084,450 05 



f 155,896,234 57 



Whole life, 
Endowment, 
All other, ... 
Reversionary additions, 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. 

. 166,249 $503,664,642 00 

. 39,299 107,465,022 00 

16 57,275 00 

- 26,854,241 00 



Total Amount. 



205,564 $638,041,180 00 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 37,545 $119,633,574 00 

. 10,653 30,627,271 00 

2 .5,238 00 



48,200 150,266,083 00 



Old Policies revived. 
4,009 $12,909,317 00 
918 2,179,188 00 
1 2,500 00 



4,928 15,091,005 00 



Old Policies changed and increased. 



69 
42 



il,395,304 00 
572,082 00 
162,635 00 



111 



Additions by dividends, . 
Total, .... 



2,130,021 00 
5,221,759 00 



. 258,803 $810,750,048 00 



106 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies terminated during the Year. 







N umber. 


Amount. Total No 


Whole life, 


. 


. 26,624 


$87,902,765 00 


Endowment, 


. 


. 7,364 


22,519,960 00 


Reversionary 


additions, 


. 


4,843,165 00 




33,988 $115,265,890 00 






How terminated. 


By death, . 


. . 


. 2,787 


$9,513,020 00 


maturity, 


. 


628 


1,481,377 00 


expiry, . 


. 


57 


255,685 00 


surrender, 


. 


. 4,396 


20,180,990 00 


lapse, . 


. 


. 14,645 


39,128,736 00 


change and decrease, 


107 


4,356,947 00 


Not taken, . 


• 


. 11,368 


40,349,135 00 

99 Q«ft 



Total Amount. 



33,988 $115,265,890 00 



Policies in force Dec. 31, 1891. 



Whole life, 
Endowment, 
AH other, . 
Reversionary additions, 



181,248 $549,700,072 00 

43,548 118,323,603 00 

19 227,559 00 

- 27,232,924 00 



224,815 $695,484,158 00 



Schedule A. 
Securities held as Collateral. 



Georgia Railroad & Banking Company stock 
Delaware, Lackawanna & Western R.R. stock 
Manhattan Company stock, 
Chic, Mil. & St. Paul Railroad bonds, . 
New York, Lack. & Western R.R, bonds, 
Evansville & Terre Haute Railroad stock, 
First National Bank, N. Y.. stock, . 
Central Railroad of New Jersey stock, . 
Tennessee State bonds, .... 

Maine State bonds, 

New York, Susquehanna & West R.R. bonds 
Montgomery, Ala., bonds, 
Mobile & Ohio Railroad bonds, 
Memphis, Tenn., bonds, .... 
Atchison, Topeka & Santa Fe R.R. bonds, 
Richmond & Danville Railroad bonds, 
Mobile & Ohio Railroad bonds, 
Memphis & Charleston Railroad bonds, . 
New York, Susquehanna & West R R bonds 
Chicago & Northwestern Railroad bonds, 
Wheeling & Lake Erie Railroad bonds, . 



Market Value. 

$19,000 00 
69,500 00^1 
20,520 00 ' 
30,000 00 , 
12,800 00 j 
120,000 00 
750,000 00 
333,000 00 
35,700 00 1 
37,000 00 
21,840 00 
5,000 00 i 
13,800 00 
17,000 00 
3,400 00 } 
8,960 00 
11,000 00 
5,100 00 
1,640 00 
17,850 00 
10,500 00 J 



Amount Loaned. 

$15,000 00 



100,000 00 

100,000 00 
300,000 00 



150,000 00 



1891.] 



OF 'OTHER STATES. 



107 



Louisiana National Bank stock, 
Alabama Trust & Savings Company stock, 
Chicago & Northwestern Railroad stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 
Lake Shore & Michigan Southern R R. stock, 
Savannah & Western Railroad bonds, 
St Paul & Duluth Railroad bonds, . 
Chicago, St Louis & Paducah Railroad bonds 
Delaware & Hudson Canal Company stock, 
Michigan Central Railroad stock, . 
Chicago & Northwestern Railroad stock, 
West Shore Railroad bonds, 
Central Railroad of New Jerse} T bonds, . 
Louisville & Nashville Railroad bonds, . 
Silver Sp. Ocala & Gulf Railroad bonds, 
New York Life Insurance & Trust Co. stock, 
Chicago & Northwestern Railroad stock, 
New York, Providence & Boston R.R stock, 
Ocean S. S. Company bonds, . 
Augusta & Knoxville Railroad bonds, 
Georgia Pacific Railroad bonds, 
Savannah, Ga , bonds, .... 
South Carolina Railway bonds, 
New York Guarantee & Indemnity stock, 
Laclede Gas Company bonds, . 
Evansville & Indianapolis Railroad bonds, 
Evansville & Richmond Railroad bonds, . 
Evansville & Richmond Railroad bonds, . • 
Evansville & Indianapolis Railroad bonds, 
Central Pacific Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Laclede Gas Company bonds, . 

Jersey City bonds, 

North Hudson County Railway bonds, 
Central Railroad of New Jersey bonds, . 
Laclede Gas Light Company bonds, 
New York Guar. & Indemnity Co stock,. 
Atlantic Trust Co stock, .... 
42d St & Grand St. Ferry Railroad stock, 
Cleveland & Canton Railroad bonds, 
Union Railway of St Joseph bonds, 
Chesap , Ohio & Southwestern R R. bonds, 
Chicago, St. Louis & Pittsburgh R.R bonds, 
Seattle, Lake Shore & Eastern R.R bonds, 
Union Railway of St. Joseph bonds, 
American Sugar Refineries stock, . 

Paid-up life policies, 

Elizabeth City bonds, 



Market Value. 

$6,1 50 00 
1,0(0 00 
23,200 00 
12,300 00 
18,300 00 
1,064,000 00 
10,200 00 
10,000 00 
12,300 00 ^ 
10,500 00 
14,200 00 
12,360 00 
13,320 00 

1,100 00 J 
63,000 00 
35,000 00 
14,200 00 
22,000 00 
1,000 00 ^ 
5,250 00 j 
2,240 00 j> 
1,000 00 j 
8,640 00 J 
4,200 00 
4,100 00 
173,340 00 ) 
316,200 00 S 
142,800 00 ) 
6,420 00 > 
88,000 00 ) 
8,240 00 S 
9,840 00 } 
1,100 00 li 
120,000 00 
333,000 00 
24,600 00 
14,000 00 
10,000 00 
54,960 00 

6,800 00 ) 

63,750 00 S 

1,060 00^ 



Amount Loaned. 

$6,000 00 

40,000 00 

700,000 00 
15,000 00 



}> 50,000 00 



50,000 00 
25,000 00 

25,000 00 



15,000 00 

4,250 00 

327,128 90 

100,000 00 

79,000 00 

8,200 00 

100,000 00 

250,000 00 

15,000 00 

4,000 00 

9,600 00 

32,000 00 

45,000 00 



2,000 00 j 



2,700 00 
67,500 00 j 

27,900 00 ) 
500,000 0') S 
900 00 



}> 45,000 CO 



400,000 00 
600 00 



108 



LIFE INSURANCE COMPANIES [Dec. 31, 



New York Guar. & Indemnity Co stock,. 
New York, Providence & Boston R.R. stock, 
Providence & Stonington Steamboat stock, 
N. Y., New Haven & Hartford R R. stock, 
Pullman Palace Car Co. stock, . 
Continental Fire Insurance Co. stock, 
Chicago & Northwestern Railroad stock, 
Canada Southern Railroad stock, 
Pullman Palace Car Co stock, . 
Michigan Central Railroad stock, 
Canada Southern Railroad stock, 
Continental Fire Insurance Co. stock, 
Chicago & Northwestern Railroad stock, 
Missouri, Kansas & Texas R.R. bonds, 
International & Great Northern R.R. bonds, 
Chicago & East Illinois Railroad bonds, . 
S. Pacific of California Railroad bonds, . 
Central Pacific Railroad bonds, 
S. Pacific of Arizona Railroad bonds, 
Louisville, New Orleans & Texas R.R. bonds 
Kentucky Central Railroad bonds, . 
Central Pacific Railroad bonds, 
N. Railway of California bonds, 
S. Pacific of California Railroad bonds, . 
Kentucky Central Railroad bonds, . 
Central Pacific Railroad bonds, 
Northern Railway of California bonds, . 
Louisville, New Orleans & Texas R R bonds 
Kentucky Central Railroad bonds, . 
Louisville, New Orleans ft Texas R.R. bonds 
Northern Railway of California bonds, . 
Frank Jones Brewing Company bonds, . 
Cleve., Cinn , Col. & St. Louis R.R stock, 
Canada Southern Railroad stock, 
New York Central ft Hudson River R R. stock 
New York & Harlem Railroad stock, 
Chicago, St. Paul, Minn. & Ohio R.R. bonds, 
Richmond & West Point Terminal bonds, 
Col., Hocking Valley & Toledo R.R bonds, 
Mutual Union bonds, .... 
Chicago, Milwaukee & St. Paul R.R. stock, 
Canada Southern Railroad stock, 
Western Union stock, .... 
Cleve., Cinn., Chic ft St. Louis R R. stock, 
Escanaba & Lake Superior Railroad bonds, 
St. Louis, Alton & Terre Haute R.R. bonds, 
Detroit, Monroe & Toledo Railroad bonds, 
Tennessee Coal & Iron Company bonds, . 



Market Valcc. 

10 00 

77,000 00 

27,075 00 

9,000 00 

29,440 00 

4,000 00 

92,800 00 

12,200 00 

55,200 00 

31,500 00 

24,400 t>0 

2,000 00 

11,600 00 

3,160 00 

1,100 00 

3,880 00 

200,000 00 

200,000 00 

200,000 00 

85,000 00 

85,000 00 

200,000 00 

400,000 00 

100,000 00 

85,000 00 

300,d00 00 

300,000 00 

00 00 

255,000 00 

255,000 00 

300,000 00 

306,000 00 

9,700 00 

6,100 00 

2,340 00 

780 00 

3,570 00 

6,300 00 

23,000 00 

14,280 00 

12,300 00 

6,100 CO 

8,300 00 

9,700 00 

11,000 00 

5,500 00 

12.900 00 

3,720 00 



Amount Loaned. 

$550 00 



)> 200,000 00 



)> 100,000 00 



J. 

!• 500,000 00 

i 

J 

i 

[ 500,000 00 

i 

J 

i 

} 500,000 00 



500,000 00 
250,000 00 

t 50,000 00 



> 50,000 00 



1891.] 



OF OTHER STATES. 



109 



Georgia Pacific Railroad bonds, 

Tennessee Coal & Iron Company bonds, 

Savannah & Western Railroad bonds, 

Louisville & Nashville Railroad bonds, 

Louisville, Chattanooga & St. Louis R.R bonds, 

Richmond & West Point Terminal bonds, 

Cleve., Cinn , Col & St. Louis R.R. stock, 

Western Union stock, .... 

Farmers 1 Loan & Trust Company stock, . 

Rensselaer & Saratoga stock, . 

Wabash Railroad bonds, 

Col., Hocking Valley & Toledo R R. bonds, 

Oregon Short Line Railroad bonds, . 

Chicago, Rock Island & Pacific Railroad stock 

Cleve., Cinn., Col. & St. Louis R 11. stock, 

Michigan Central Railroad stock, 

Western Union stock, 

Chicago, Milwaukee & St. Paul R.R. bonds, 

Knoxville & Ohio Railroad bonds, 

Ohio Southern Railroad bonds, 

Iowa City & Western Railroad bonds, 

Seattle, Lake Shore & Eastern R.R. bonds, 

Chicago, Rock Island & Pacific R.R. stock, 

New York Central & Hudson R.R stock, . 

Canada Southern Railroad stock, 

Chicago & Northwestern Railroad stock, 

Lake Shore & Michigan Southern R R. stock, 

Lake Erie & Western Railroad bonds, 

Pennsylvania Company bonds, . 

Morris & Essex Railroad bonds, 

Jackson County, Mo, bonds, . 

Wilson County, Kan , bonds, . 

Shawnee County, Kan , bonds, . 

Cloud County, Kan., bonds, 

Coffee County, Kan , bonds, 

Sheridan Township, Kan., bonds, 

Baker Township, Kan., bonds, . 

Ottawa County, Kan., bonds, . 

Atlantic Trust Company stock, 

Georgia State bonds, 

Jersey City bonds, . 

Michigan Central Railroad bonds, 

New York Guarantee and Indem. Co. stock, 

Central Pacific Railroad bonds, 

Laclede Gas Company bonds, . 

Morris and Essex Railroad stock, 

Consolidated Gas Company stock, 

Providence & Stonington Steamship Co stock, 



Market Value. 

|54,000 00^ 
62,010 00 | 
38,000 00 ! 
60,000 00 ' 
25,500 00 
22,750 00, 
11,610 00 >| 
8,300 00 I 
10,150 00 I 
4,509 00 j. 
8,200 00 
13,800 00 
7,900 00 J 
8,800 00 
7,000 00 
42,000 00 J. 
4,150 00 | 
2,580 00 j 
26,750 00 ) 
26,250 00 ' 
4,000 00 
5,400 00 j" 
8,800 00 \ 
23,400 00 I 
6,100 00 j. 
11,600 00 j 
12,200 00 J 
67,500 00 
13,200 00 
20,250 00 
7,500 00^ 
3,150 00 
2,100 00 
8,800 00 
4,400 00 
3,500 00 
1,000 00 
7,700 00 j 
20,000 00^ 
2,200 00 i 
2,380 00 ! 
2,000 00 j 
3,360 00 
3,270 00 
8,200 00 
7,150 00 
20,600 00 
619,500 00 



Amount Loaned. 



$200,000 00 



50,000 00 



50,000 00 



50,000 00 

50,000 00 

50,000 00 
20,000 00 



} 32,100 00 



22,000 00 

2,500 00 
1,000 00 
3,000 00 
5,000 00 
14,000 00 
500,000 00 



110 



LIFE INSURANCE COMPANIES [Dec. 31, 



Toledo, Peoria & Western Railroad bonds, 
Chicago, Milwaukee & St. Paul R R. bonds, 
Little Rock & Memphis Railroad bonds, . 
Missouri Pacific Railroad bonds, 
Brooklyn Trust Company stock, 
Central Trust Company stock, . 
United States Trust Company stock, 
Farmers' Loan and Trust Company stock, 
Central Trust Company stock, . 
Bank of Minnesota stock, .... 
Georgia Railroad & Banking Co stock, . 
Savannah, Florida & Western Railroad bonds 
Bank of New York stock, .... 
Wabash Railroad bonds, .... 
Laclede Gas Company bonds, . 
Richmond & West Point Terminal R R. bonds 
Houston & Texas Central Railroad bonds, 
Texas & Pacific Railroad bonds, 
Chicago Gas & Coke Company bonds, 
Chicago & Northwestern Railroad stock, 
Chic, Milwaukee & St. Paul R.R. stock, . 
Chic , Burlington & Quincy R R. stock, . 
Chicago & Northwestern Railroad bonds, 
Georgia State bonds, .... 

Erie Railroad bonds, .... 

New York, Chicago & St. Louis R R. bonds, 
Wabash Railroad bonds, .... 
Philadelphia & Reading Railroad bonds, 
Wabash Railroad bonds, .... 
New York, Chicago & St. Louis R.R. bonds, 

Erie Railroad bonds, 

Chic, Rock Island & Pacific Railroad bonds, 
Atlantic & Pacific Railroad bonds, . 
Elmira National Bank stock, . 
Elmira and Horseheads bonds, . 
Washington Trust Company stock, . 
Atlantic Trust Company stock, 
Nassau Trust Company stock, . 
People's Trust Company stock, 
New York Guarantee and Indemnity Co. stock, 
New York Guarantee and Indemnity Co stock, 
Lawyers' Title Insurance Company stock, 
United New Jersey R.R. & Canal Co. stock, 
New Jersey & Atlantic Railroad stock, . 
Mutual Union bonds, .... 

Toledo, Peoiia & Western Railroad bonds, 
Laclede Gas Company^ bonds, . 
Missouri, Kansas & Texas Railroad bonds, 



Market Value. 

$26,520 00 

37,620 00 

2,310 00 

360,000 00 

112,500 00 

330,000 00 

20,000 00 

72,500 00 

110,000 00 

7,000 00 

163,590 00 

378,000 00 

6,000 00 

0,790 00 

4,100 00 

630 00 

5,000 00 

4,150 00 

4,250 00 

14,200 00 

12,300 00 

10,900 00 

6,300 00 

500,000 00 

64,200 00 

47,500 00 

12,360 00 

8,500 00 

59,740 00 

23,750 00 

48,150 00 

103,000 00 

21,000 00 

35,000 00 

200,000 00 

23,975 00 

80,000 00 

15,000 00 

20,000 00 

3,500 00 

10,500 00 

4,000 00 

6,075 00 

4,000 00 

10,200 00 

3,900 00 

4,100 00 

7,900 00 



I 



Amount Loaned. 

$50,000 00 

300,000 00 

338,500 00 

60,000 00 

15,000 00 

5,500 00 

110,000 00 

300,000 00 



j> 25,000 00 



20,000 00 

3,000 00 
400,000 00 



y 100,000 oo 

j 

i 100,000 00 

I 100,000 00 

I 160,000 00 

[ 25,000 00 



2,500 00 
9,375 00 

16,000 00 
10,000 00 



1891.] 



OF OTHER STATES. 



Ill 



Atlantic Trust Company stock, 

New York Guarantee and Indemnity Co. stock, 

Delaware and Hudson Canal Co. stock, . 

Chicago, R. 1. & Pacific Railroad stock, . 

Delaware, Lack. & Western Railroad stock, 

Chicago, Burl. & Quincy Railroad >tock, 

Rio Grande & Western Railroad bonds, . 

Rio Grande & Western Railroad bonds, . 

New York Central & Hudson stock, 

Michigan Central Railroad stock, 

Pittsburgh, Me. & Yough. Railroad stock, 

Dakota Central Railroad bonds, 

Lake Shore & Michigan Southern R R. stock, 

Chicago, Rock Island & Pacific R.R. stock, 

New York Central & Hudson Railroad stock, 

Western Union stock, .... 

Iowa Central Railroad bonds, . 

Canada Southern Railroad bonds, . 

Lake Shore & Michigan Southern R.R. stock, 

Rome, Watertown & Og. Railroad stock, 

Delaware, Lack & Western R R stock, . 

Louisville & Nashville Railroad bonds, . 

Illinois Central Railroad stock, 

Rome, Watertown & Og Railroad stock, 

Chicago & Northwestern Railroad stock, 

New York Central & Hudson Railroad stock, 

Mobile & Ohio Railroad bonds, 

Missouri, Kansas & Texas Railroad bonds, 

Chesapeake & Ohio Railroad bonds, 

Pennsylvania Railroad stock, . 

Bank of New York stock, 

Union Trust Company stock, . 

Pennsylvania Railroad stock, . 

Memphis & Charleston Railroad bonds, . 

Louisville, N. O. & Texas Railroad bonds, 

E. Tennessee, Va. and Georgia R R. bonds, 

Chicago, R. I & Pacific Railroad stock, . 

Chicago & Northwestern Railroad stock, 

Tennessee State bonds, .... 

Louisville, N. O. & Texas Railroad bonds, 

Illinois Centra] Railroad stock, 

Chicago & Northwestern Railroad bonds, 

Delaware & Hudson bonds, 



$10,000 00 



100,000 00 



[ 500,000 00 



}> 100,000 00 



Market Value. Amount Loaned. 

$4,000 00 
11,200 00 
12,300 00^ 

8,800 00 I 

13,900 00 [ 100,000 00 
10,900 00 | 
92,000 00 J 
140,000 00 
187,200 00) 
105,000 00 
300,000 00 
57,500 00 j 
36,600 00) 
17,600 00 
46,800 00 

8,300 00 

8,010 00 

3,030 00 J 
12,200 00) 
89,600 00 ' 
13,900 00 , 

4,520 00 j 
64,800 00 > 
22,400 00 
11,600 00 
11,700 00 

6,700 00 

2,370 00 ) 

4,480 00 
82,878 00 ^ 
24,000 00 | 
37,500 00 j 

5,700 00) 



} 100,000 00 



}> 100,000 00 

3,100 00 
100,000 00 



57,500 00 



85,000 00 

8,480 00 J 

26,400 00) 

23,200 00 ' 



j> 100,000 00 



44,800 00 f 
51,(T00 00 j 
43,200 00 > 
12,300 00 
4,170 00 j 



y 100,000 oo 



50,000 00. 



'14,975,582 00 $10,223,903 90 



112 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule B. 
Slocks and Bonds owned by the 



United States bonds, . 

Austrian government rentes, gold, 

British consols, . 

Dominion of Canada, 

Victorian government stock, 

Italian government rentes, 

Georgia refunding, . 

Minnesota reform school certificates 

New Brunswick, Province of, 

Nova Scotia, Province of, 

South Carolina, . 

Tennessee settlement, 

Atchison County, Kan., 

Bexar County, Texas, 

Butler County, Ohio, 

Chatham County, Ga , 

Douglas County, Neb., 

Franklin County, Ohio, 

Franklin County, Ky , 

Hamilton County, Tenn., 

Hancock County, Ohio, 

Hennepiu County, Minn., 

Hudson County, N J., 

Kent Count}-, Mich., . 

Lucas County, Ohio, . 

McLennan County, Texas, 

Montgomery County, Iowa, 

Owen Count}', Ky , . 

Ramsey County, Minn , 

Richland County, Wis , 

Shawnee County, Kan , 

Sedgwick Countv, Kan., 

Vanderburgh County, Ind 

Wells County, Ind , . 

Woodbury County, Iowa, 

Atlanta, Ga , 

Augusta, Ga , 

Colorado Springs, Col , 

Columbus, Ohio, 

Council Bluffs, Iowa, 

Des Moines, Iowa, 

Duluth, Minn , . 

East Tacoma, Wash., 

Elizabeth, N.J, 

Evansville, Ind., 



Company. 

Book Value. 

$316,926 00 

41,815 04 

99,422 81 

157,065 CO 

24,250 00 

19,300 29 

1,035,750 00 

100,770 00 

100,590 00 

410,877 50 

291,790 00 

375,950 00 

125,800 60 

50,6-10 00 

75,802 50 

62,836 20 

59,902 40 

142,191 80 

62,582 80 

208,160 00 

24,812 bb 

201,820 00 

316,140 00 

121,484 00 

32,641 30 

75,320 00 

50,655 00 

100,000 00 

305,340 00 

15,070 00 

31,377 00 

257,695 00 

104,757 50 

124,711 70 

125,000 00 

96,667 40 

15,735 00 

64,284 00 

50,095 00 

40,160 00 

4,981 00 

51,965 00 

105,770 00 

362,985 20 

450,920 0J 



Market Value. 

* 3 16,575 00 

37,931 00 

92,773 50 

158,070 00 

24,250 00 

19,300 29 

1,110,700 00 

98,000 00 

100,590 00 

412,552 50 

290,590 00 

350,000 00 

125,800 60 

52,445 00 

77,018 50 

62,838 00 

61,213 20 

144,666 8J 

64,132 80 

210,660 00 

25,220 30 

207,740 00 

336,330 00 

127,236 00 

32,640 00 

78,351 00 

51,280 00 

101,670 00 

316,110 00 

15,632 50 

31,377 00 

264,515 00 

104,757 50 

125,650 00 

125,000 00 

99,647 00 

17,415 0J 

61,284 00 

50,930 00 

40,660 00 

5,114 50 

52,380 00 

108,270 00 

360,900 0J 

450.920 00 



1891.] 



OF OTHER STATES. 



113 



Fostoria, Ohio, . 

Fort Worth, Tex., . 

Galveston, Texas, 

Guelph, Ontario, Canada, 

Helena, Montana, 

Hyde Park, 111., 

Jackson, Mich , . 

Jersey City, N. J , 

Joliet, 111., . 

Kansas City, Kan., . 

Lake, 111., . 

Lincoln, Neb., . 

Memphis, Tenn., 

Montreal, Canada, 

Minneapolis, Minn., . 

Nashville, Tenn., 

Newark, N. J , . 

Omaha, Neb , 

Orange, N. J., . 

Ottawa, Canada, 

Richmond, Va., . 

Salem, Ohio, 

St. Paul, Minn , . 

San Antonio, Texas, . 

San Francisco, Cal , . 

Spokane Falls, Wash., 

Stillwater, Minn., 

Toronto, Canada, 

Waco, Texas, . 

Albany & Susquehanna Railroad, 

Ashtabula & Pittsburgh Railroad, 

Atlanta & Charlotte Railroad, . 

Atlantic & Gulf Railroad, 

Baltimore & Ohio Railroad, 

Bleecker Street & Fulton Ferry Railroad 

Bushwick Railroad, .... 

Cedar R'ids, Iowa Falls & Northwestern R.R. 

Central Park, North & East River Railroad, 

Central Railroad & Banking Company, 

Charlotte, Columbia & Augusta Railroad 

Chateaugay Railroad, 

Chesapeake & Ohio Railroad, . 

Chicago, Burlington & Quincy Railroad, 

Chicago & Eastern Illinois Railroad, 

Chicago & Northwestern Railroad, . 

Chicago & St. Louis Railroad, . 

Chicago & Southwestern Railroad, 

Chicago, Milwaukee & St. Paul Railroad, 



Book Value. 

#6,173 40 
101,210 00 
323,792 60 
132,225 46 
100,690 00 
53,495 00 
67,750 00 
1,180,780 75 
51,460 00 
105,202 80 
100,929 00 
98,620 00 
114,804 00 
313,170 00 
208,860 00 
373,567 50 
157,425 00 
219,058 50 
124,031 50 
42,448 00 
9,935 00 
75,000 00 
495,007 50 
101,745 00 
231,452 80 
110,450 00 
30,993 50 
300,743 50 
40,376 00 
1,224,042 80 
92,040 30 
289,650 00 
469,368 90 
613,260 00 
38,983 00 
50,000 00 
242,842 40 
116,300 00 
825,070 40 
92,364 80 
221,480 00 
457,996 00 
446,580 00 
51,450 00 
1,747,789 00 
97,472 40 
168,630 00 
1,918,538 30 



Market Value. 

$6,293 40 
101,210 00 
333,558 60 
137,092 13 
100,690 00 
53,495 00 
68,165 50 
1,260,474 35 
52,500 00 
107,324 40 
104,070 00 
98,620 00 
115,704 00 
315,180 00 
216,560 00 
412,947 50 
181,710 00 
224,353 00 
125,804 10 
42,448 00 
9,935 00 
76,500 00 
527,522 50 
106,055 00 
250,157 75 
110,450 00 
31,242 00 
300,750 00 
40,376 00 
1,373,480 00 
94,065 30 
295,000 00 
469,368 90 
628,400 00 
39,567 50 
50,000 00 
241,470 00 
116,880 00 
829,710 20 
92,364 80 
232,300 00 
484,660 00 
473,500 00 
56,500 00 
1,892,919 00 
99,192 40 
173,610 00 
2,127,103 50 



114 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chicago, St. Paul, Minneapolis & Omaha 11.11. , 
Cincinnati & Springfield Railroad, . 
Cincinnati, Hamilton & Dayton Railroad, 
Cinn , Indianapolis, St. Louis & Chicago R.R. 
Cincinnati, Sandusky & Cleveland Railroad, 
Citizens 1 Gas Light Company, . 
Cleveland & Mahoning Valley Railroad, . 
Cleve , Columbus, Cinn. & Indianapolis R.R., 
Cleveland, Lorain & Wheeling Railroad, 
Columbus Consolidated Street Railway, . 
Columbus & Indiana Central Railroad, . 
Columbus & Toledo Railroad, . 
Corrigan Consolidated Street Railway. . 
Covington & Lexington Railroad, . 
Delaware & Hudson Canal Company, 
Duluth Union Depot Company, 
Duluth & Manitoba Railroad, . 
Eastern Railway of Minnesota, 
East Tennessee, Virginia & Georgia R R , 
Elmira, Cortland & Northern Railroad, . 

Erie Railroad, 

Evansville & Terre Haute Railroad, 
Flint & Pere Marquette Railroad, . 
Florida Central & Peninsular Railroad, . 
Galveston, Harrisburg & San Antonio R.R., 
Georgia Railroad & Banking Company, . 
Grand Rapids, Lansing & Detroit Railroad, 
Hackensack Water Company, . 
Hannibal & St. Joseph Railroad, . 
Housatonic Railroad, .... 

Illinois Central Railroad, .... 
Indiana, Bloomington & Western Railroad, 
Indianapolis & St. Louis Railroad, . 
Indianapolis, Decatur & Springfield R.R , 
James River Valley Railroad, . 
Jefferson, Madison & Indianapolis Railroad, 
Kansas City, St. Joseph & Council Bluffs R.R 
Laclede Gas Light Company, . 
Lake Erie & Western Railroad, 
Lake Shore & Michigan Southern Railroad, 
Long Branch Water Supply Company, . 
Louisville, New Albany & Chicago Railroad, 
Memphis & Charleston Railroad, 
Michigan Central Railroad, 
Milwaukee City Railroad, 
Milwaukee & Northern Railroad, 
Milwaukee, Lake Shore & Western R R , 
Minneapolis & St. Louis Railroad, . 



Book Value. 

$532,450 00 
270,300 00 
375,031 00 
195,500 00 

519.700 00 
50,535 00 

187,985 00 

324.701 00 
284,527 00 
156,111 60 

64,446 70 
226,400 00 

50,070 00 
100,000 00 
379,253 70 
257,425 00 
102,400 00 
491,800 00 
108,170 00 
293,550 00 

92,607 90 
287,075 00 
624,250 00 
235,675 00 
148,485 40 
344,177 00 
243,950 00 
102,680 00 
560,500 00 

52,520 00 

1,060,330 00 

126,201 00 

448,960 00 

200,743 20 

260,825 00 

109,250 40 

520,310 00 

159,560 00 

250,000 00 

1,695,450 00 

101,620 00 

102,732 50 

217,920 00 

1,324,300 00 

61,857 40 
320,100 00 
219,376 00 
201,906 00 



Market Value. 

$600,000 00 

296,075 00 

402,611 00 

186,000 00 

|,000 00 

51,160 00 

187,985 00 

359,661 80 

291,231 00 

156,111 60 

66,601 40 

236,800 00 

50,070 00 

100,420 00 

469,530 00 

260,550 00 

103,000 00 

508,750 00 

108,170 00 

304,500 00 

108,950 00 

287,075 00 

660,000 00 

242,500 00 

137,350 00 

367,963 00 

248,125 00 

104,000 00 

\000 00 

52,935 00 

1,060,430 00 
130,007 50 
4! » 1,1 31 00 
211,190 00 
260,825 00 
114,434 60 
545,470 00 
164,000 00 
267,500 00 

1,812,500 00 
103,290 00 
108,375 00 
240,000 00 

1,395,300 00 

62,260 40 

337,500 00 

236,600 00 

209,844 00 



189 1.] 



OF OTHER STATES. 



115 



Minneapolis Gas Light Company, . 

Minneapolis Street Railway, . 

Mobile & Girard Railroad, 

Mobile & Ohio Railroad, . 

Montgomery & Eufaula Railroad, . 

Morgan's Louisiana & Texas Railroad, 

Municipal Gas Light Company, 

Nashville & Decatur Railroad, . 

Nashville, Chattanooga & St, Louis Railroad, 

National Water Works Company, . 

New York Central & Hudson River Railroad 

New York, Chicago & St. Louis Railroad, 

New York, Lackawanna & Western Railroad 

New York, Pennsylvania & Ohio Railroad, 

Norfolk & Petersburgh Railroad, 

Ocean Steamship Company, 

Ohio & Mississippi Railroad, . 

Pittsburgh & Western Railroad, 

Pittsburgh Junction Railroad, . 

Pittsburgh, Painesville & Fairport Railroad, 

Richmond & Danville Railroad, 

Richmond, York River & Chesapeake R.R., 

Rome, Watertown & Ogdensburg Railroad, 

San Antonio & Aransas Pass Railroad, . 

St. Paul & Duluth Railroad, . 

St. Paul City Railway, .... 

St. Paul & Northern Pacific Railroad, 

Staten Island Rapid Transit Railroad, 

South Carolina Railroad, .... 

South Georgia & Florida Railroad, . 

South Side of Virginia Railroad, 

Syracuse, Binghamton & New York R.R., 

Texas & New Orleans Railroad, 

Texas & Pacific Railroad, .... 

Union Passenger Railway Company, 

Valley Railroad of Ohio, . . 

Virginia Midland Railroad, 

Virginia & Tennessee Railroad, 

Wabash Railroad, 

Warren & Franklin Railroad, . 
Western Transit Companj*, 
Western Railroad of Alabama, 
Western Union Telegraph Company, 
Wheeling & Lake Erie Railroad, 
Albany & Susquehanna Railroad stock, . 
Boston & Maine Railroad stock, 
Chicago & Northwestern Railroad stock, 
Chicago, Milwaukee & St. Paul R.R. stock, 



Book Value. 

$210,400 00 

130,637 00 

372,131 80 

206,222 70 

179,282 00 
265,350 00 

26,730 00 

453,612 20 

343,739 00 

133.082 40 
595,550 00 
327,000 00 

1,066,200 00 
56,006 50 
77,041 40 
50,000 00 

102.083 20 
193,825 00 
400,000 00 
114,755 00 
560,550 00 
311,775 80 
301,435 40 
179,780 00 

55,600 00 

281,580 00 

115,690 00 

23,188 20 

502,750 00 

59,637 60 

34,000 00 

272,462 40 

665,637 00 

92,100 00 

28,728 00 

34,655 00 

259,900 00 

75,757 00 

486,800 00 

107,500 00 

399,440 00 

1,546,857 50 

620,370 00 

235,525 00 

30,341 70 

140,000 00 

626,803 00 

451,272 94 



Market Value. 

$216,520 00 

148,447 00 

373,696 80 

221,560 00 

179,282 00 

304,375 00 

27,000 00 

453,612 20 

382,663 80 

136,382 40 

622,500 00 

313,920 00 

1,255,000 00 

58,509 00 

77,167 20 

50,000 00 

101,200 00 

207,500 00 

472,000 00 

112,100 00 

550,000 00 

313,895 80 

312,055 00 

124,000 00 

53,540 00 

339,435 00 

118,190 00 

23,503 20 

537,500 00 

60,976 80 

35,571 60 

313,565 00 

729,338 40 

83,500 00 

29,065 50 

34,739 10 

271,600 00 

76,326 10 

517,500 00 

110,420 00 

414,240 00 

1,564,139 10 

614,660 00 

263,125 00 

34,320 00 

165,000 00 

639,000 00 

490,035 00 



116 



LIFE INSURANCE COMPANII [Dec. 31, 



Delaware & Hudson Canal Company stock, 

Georgia Railroad & Banking Company stock 

Massawippi Valley Railroad stock, . 

Morris & Essex Railroad stock, 

New York Guaranty and Indemnity Co. stock 

New York & Harlem Railroad stock, 

New York, New Haven & Hartford B.R. stock 

Naugatuek Railroad stock, 

New York, Providence & Boston R.R. stock, 

Pennsylvania Railroad stock, . 

Pittsburgh, Fort Wayne & Chic. R.R. stock, 

United New Jersey R.R. & Canal Co. stock, 

Real Estate Exchange and Auction Room Ltd 



Book Vaiue. 

$153,005 80 
159,798 15 

36,eoo oo 

30,797 00 

1,219,125 00 

864,146 95 

290,539 95 

143,552 55 

614,085 85 

649,085 83 

15,225 00 

60,408 78 

1,000 00 



Market Value. 

$150,660 38 
154.280 00 

in, 

1,374,457 80 

1,166,060 00 

364,800 00 

196,000 00 

814,880 00 

1,000 00 

15.575 00 

62,395 28 

1,004 20 



§ 54,44 1,350 70 $57, 66 1,4. 



THE MUTUAL BENEFIT LIFE INSURANCE COMPANY. 

NEWARK, N. J. 



[Incorporated Jan. 31, 1845. Commenced business April, 1845.] 

Amzi Dodd, President. Edward L. Dobbins, Secretary. 



Income. 

New premiums without deductions, 

Renewal premiums, 

Premiums paid by dividends, . 
Premiums paid by surrendered policies, . 
Cash received for annuities, 



Total, 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1890, 



Total, 



Disbursements. 
Cash paid for losses and additions, . 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 



$863,733 23 

4,<»42,580 78 

1,270,363 95 

257,843 36 

6,479 88 

$6,441,001 20 

2,484,393 51 

717 12 

28,217 51 

$8,954,329 34 
45,536,038 07 

$54,490,367 41 



$3,043,860 04 

145,093 69 

232.203 71 

6 70 



$3,423,364 14 



1*91.] 



OF OTHER STATES. 



117 



Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered poli 

cies, and voided by lapse, 

Cash surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, $219,736.57; applied in 

payment of premiums, f 1,270,363.95, . 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions and agency expenses, . 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for advertising and other expenses, 
for premiums on bonds purchased, . 

Expenses on real estate, 

Total disbursements, 

Balance, 



$36,345 11 
430,452 344 



151,184 50 

1 


257,843 


36 


. 1,490,100 


52 


24,017 


94 


. $5,813,307 


91 


745,691 


12 


65,982 


49 


146,764 


23 


189,982 41 


96,177 


62 


80,472 05 


13,710 


14 


. $7,152,087 97 



$47,338,279 44 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents 1 ledger balances, . 

Premiums in transit (since received), 

Ledger assets (as per balance), 



$742,752 23 

26,834,974 39 

2,022,800 00 

1,121,090 68 

4,208,469 23 

11,551,310 94 

200,550 59 

484,577 84 

5,449 35 

166,304 19 



$17,338,279 44 



Other Assets. 

Interest due and accrued, .... 
Market value of stocks and bonds, over par, 
Uncollected premiums on policies in force, 
Deferred jDremiums on jx>licies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$164,121 46 

440,062 02 

$604,183 48 

120,836 70 



$754,756 83 
353,895 00 



483,346 78 



$48,930,278 05 



118 LIFE INSURANCE COMPANIES [Dec. 31, 

Items not admitted. 
Agents 1 balances, $5,449 35 



Total admitted assets, $48,924,828 70 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $44,937,987 00 

Death losses and matured endowments in 

process of adjustment, §160,216 94 

Claims resisted by the company, . . . 2,000 00 

Total policy claims, 102,216 94 

Unpaid dividends of surplus due policy-holders, . . . 237,232 31 

Premiums paid in advance, 8,724 75 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, . 



Gross liabilities, 



$45^46,161 00 

. 3,578,667 70 



$48,924,828 70 



Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . $4,195,658 77 

Premium notes received during 1891, . . 401,545 22 

Total, $4,597,203 99 

Used in payment of losses and claims, . . $147,300 39 
Used in payment of surrendered policies and 

voided by lapse, 151,184 50 

Used in payment of dividends to policy-hold- 
ers, . . 24,017 94 

Redeemed by maker in cash, .... 66,231 93 

Total, 388,734 76 



Balance note assets Dec. 31, 1891, $4,208,469 23 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 47,918 $130,603,754 00 
Endowment, . . . 14,119 34,033,062 00 

All other 3,117 7,816,536 00 

Reversionary additions, . - 387,592 00 

65,154 $172,840,944 00 

Policies issued during the Year. 
Whole life, . . . 6,699 $17,505,800 00 
Endowment, . . . 2,811 6,376,306 00 
All other, .... 1,033 2,787,073 00 

10,543 26,669,179 00 



1891.] 



OF OTHER STATES. 



119 



Whole life, 
Endowment, 



Whole life, 
Endowment, 



Old Policies revived. 

Number. Amount. Total No- 

22 $70,000 00 

13 33,833 00 



Old Policies increased. 

18 $46,551 00 

16 38,676 00 



Additions by dividends, 



34 



Total Amount. 



35 $103,833 00 



85,227 00 
286,57 ( J 00 



Total, 75,766 $199,985,762 00 



Whole life, 
Endowment, 
All other, . 



Policies terminated during the Year. 

. 4,014 $11,150,068 00 * 
. 1,648 3,642,883 00 
754 2,021,478 00 



6,416 $16,814,429 00 



How terminated. 



By death, . 


1,045 


$3,219,930 00 






maturity, 


132 


236,920 00 






expiry, . 


633 


1,632,911 00 






surrender, 


. 2,106 


5,862,236 00 






lapse, . 


. 1,365 


3,096,553 00 






Not taken, . 


. 1,135 


2,765,879 00 


6,416 


16,814,429 00 



Policies in force Dec. 31, 1891. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



50,643 $137,076,037 00" 

15,311 36,838,994 00 

3,396 8,622,348 00 

633,954 00 



69,350 $183,171,333 00 



Schedule A. 

Securities held as Collateral. 

Market Value. Amount Loaned. 

Essex County Nat'l B'k stock, Newark, N. J , $11,000 00^ 

Newark City National B'k stock, Newark, N. J., 15,000 00 

Nat'l Newark Banking Co stock, Newark, N. J., 6,200 00 

Second Nat'l Bank stock, Newark, N. J , . 2,800 00 

National State Bank stock, Newark, N. J., . 6,225 00 J> $45,000 00 

Manufacturers 1 Nat'l B'k stock, Newark, N. J , 4,350 00 

Merchants' Nat'l Bank stock, Newark, N. J , 2,160 00 

American Fire Ins. Co. scrip, Newark, N J , . 12,480 00 

Citizens' Gas Light Co. stock, Newark, N. J., 8,750 00 



120 



LIFE INSURANCE COMPANIES [Dec. 31, 



Morris & Essex Railroad bonds, 

Citizens' Gas Light Co. stock, Newark, N. J., 
National State Bank stock, Newark, N. J., 
Xat'l Newark Banking Co stock, Newark, X. J 
Merchants 1 Fire Ins k. Newark, X. J. 

Firemen's Insurance Co stock, Newark, X. J. 
Newark Gas Light Co. stock, Newark, X. J., 

Citiz - Light Company stork. 

Shore Railroad bonds, 
Bonds and mortgajres on real estate. 
City of Elizabeth bonds, .... 
School-house bonds. City of Elizabeth, . 
City of Elizabeth bonds, .... 
Bosendale Lime v.\r Cement Co stock. 
Rich. & W Ft. Ter R.R A WarehV Co. stock- 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Lake Erie v.V. Western Railroad stock, 
Great Xorthern Railroad stock, 
Pullman's Palace Car Company stock, 
St Louis & Iron Mountain Railroad bonds, 
Rich, ft W. Pt. Ter. R.R ft Wareh'e Co. bonds 
Cleveland cv. Canton Railroad bond-, 
Manhattan Elevated Railroad stock, 
Western L nion Telegraph Company stock, 
Chicago cS: Northwestern Railroad stock, 
Chicago, Milwaukee & St Paul Railroad stock 
Texas vv. Pacific Railroad bonds. 
Chicago, Milwaukee vv. St Paul Railroad stock 
Western Union Telegraph Company stock, 
Rich ft W Pt Ter B R ft Wareh 1 I stock 
Evansville Oc Terre Haute Railroad stock, 
Colombia ft Greenville Railroad bond-. . 
Virginia Midland Railroad bonds, . 
Chicago ft Northwestern Railroad stock, 
Mil., Lake Shore & Western Railroad bonds, 
Trenton Water Company bonds. Trenton, Mo 
Cleveland, Cinn , Chic. & St Louis R.R bonds 
Chicago, Burlington ft Qnincy R R. bonds, 
Manhattan Elevated Railroad stock, 
St. Louis. Alton *\r Terre Haute R.R stock, 
Belleville & Southern Illinois R R. stock, 
Consolidated Gas Co. of New York stock, 
Union Trust Company of Xew York stock, 
Pullman's Palace Car Company stock, 
Lake Erie and Western Railroad stock, . 
Rio Grande Western Railroad stock. 
Xorthern Pacific Railroad stock, 



Market Value. 

|7 V 7 

00 00 

' 00 

930 00 

3,960 00 

660 00 

>0 00 

8,750 00 

6,100 00 

24,000 00 

52,000 00 

10 00 

3,960 00 

8,000 00 

6,000 00 

10,300 00 

41,5' 

6,900 00 

24.1300 00 

18,400 00 

4,250 00 

10 00 

4,400 00 

500 00 

41,500 00 

11,600 00 

12300 00 

10,000 00 

;>o oo 

16,600 00 

6,000 00 

67,100 00 

•0 00 

10,140 00 

- -00 00 

63,600 00 

- 00 00 

17,400 00 

10 00 

00 00 

25,600 CM3 

26,000 00 

5,150 00 

8,000 00 

1.2S8 00 

6,900 00 

14,000 00 

7.100 00 



Amount Loaned. 
00 

50,00<> 
1 
[ 5,000 00 



} 



J 



10,000 00 

5,000 00 

3,000 00 

500 00 

00 



i 

} 100,000 00 



J 
1 

I 

\ 100,000 00 

J 
I 

\ 100,000 00 



100,000 00 
39,000 00 



y 100,000 oo 



1891.] 



OF OTHER STATES. 



121 



Chicago & Northwestern Railroad stock, 
Mil , Lake Shore & Western Railroad bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Northern Pacitic Railroad stock, 
Cleveland, Cinn , Chic. & St Louis R.R. stock 
Edison General Electric Company stock, 
Manhattan Elevated Railroad stock, 
Western Union Telegraph Company stock, 
Chicago & Northwestern Railroad stock, 
Rio Grande Western Railroad stock, 
Chicago, Burlington & Quincy R.R stock, 
St. Louis, Alton & Terre Haute R R. stock, 
Chicago, St. Paul, Minn. & Omaha RR. stock, 
Pittsburgh, Cinn , Chic. & St. Louis R R. stock, 
St. Louis, Alton & Terre Haute R.R. bonds, 
Missouri Pacific Railroad bonds, 
Chicago, Milwaukee & St. Paul R.R bonds, 
Wabash Railroad bonds, .... 
St. Louis, Alton & Terre Haute R.R. stock, 
Manhattan Elevated Railroad stock, 
Pullman's Palace Car Company stock, 
Belleville & Southern Illinois R.R. stock, 
Rio Grande Western Railroad stock, 
Lake Erie & Western Railroad stock, 
Chicago & Northwestern Railroad stock, 
Missouri Pacific Railroad bonds, 
Belleville & Southern Illinois RR bonds, 
Union Pacific Railroad bonds, . 
Central Railroad Co. of New Jersey bonds, 
Northern Pacific Railroad bonds, 
Cleveland, Cinn , Chic. & St. Louis R.R. bonds 
Pullman's Palace Car Company stock, 
Western Union Telegraph Company stock, 
Lake Erie & Western Railroad stock, 
Rio Grande Western Railroad stock, 
Manhattan Elevated Railroad stock, 
Cleveland, Cinn., Chic. & St. Louis R.R. stock 
Northern Pacific Railroad bonds, 
Lehigh & Wilkesbarre Railroad bonds, . 
Mobile & Ohio Railroad bonds, 
Western Union Telegraph Company stock, 
Central Railroad Co. of New Jersey, stock, 
Lake Erie & Western Railroad stock, 
Pullman's Palace Car Company stock, 
Rich. & W. Pt. Ter. R.R & Wareh'e Co. bonds 
Manhattan Elevated Railroad bonds, 
Savannah & Western Railroad bonds, 
The East Jersey Water Company bonds, 



J> 100,000 00 



MarkefValue. Amount Loaned. 

$23,200 00 -\ 
26,500 00 > $50,000 00 
14,220 00 ) 

3,550 00^ 

4,900 00 

9,400 00 
20,600 00 

8,300 00 
11,600 00 
14,000 00 

5,4.30 00 
12,800 00 

5,500 00 
13,000 00 

7,490 00 

4,150 00 

5,300 00 
30,900 00 25,000 00 
38,400 00^ 
10,300 00 

1,104 00 
13,000 00 
24,500 00 

1,656 00 
11,600 00 } 100,000 00 
12,450 00 

1,100 00 

2,160 00 

1,100 00 

1,060 00 

4,350 00 J 
46,000 00 \ 
17,596 00 
20,700 00 

7,000 00 

5,150 00 J> 

7,000 00 
19,200 00 

5,450 00 

3,350 00^ 

9,130 00^ 
55,500 00 | 
13,800 00 j 
36,800 00 > 

4,960 00 

1,130 00 

3,040 00 \ 
625,000 00 500,000 00 



100,000 00 



122 



LIFE INSURANCE COMPANIES [Dec. 31, 



Western Union Telegraph Company stock, 

Manhattan Elevated Railroad stock, 

Lake Erie & Western Railroad stock, 

New York, Chicago & St. Louis R R. stock, 

Texas & Pacific Railroad bonds, 

Midland Railroad Co. of New Jersey bonds, 

Missouri Pacific Railroad bonds, 

Cleveland, Cinn., Chic. & St. Louis R.R. stock, 

United New Jersey Railroad & Canal Co. stock, 

New York & Harlem Railroad stock, 

Great Northern Railroad stock, 

Louisville & Nashville Railroad stock, . 

Flint & Pere Marquette Railroad stock, . 

Missouri, Kansas & Texas Railroad bon<l<, 

Western Union Telegraph Company stock, 

Delaware & Hudson Canal Company stock, 

Lake Erie & Western Railroad stock, 

St. Louis, Alton & Terre Haute R.R. stock, 

Norfolk & Western Railroad stock, . 

Pullman's Palace Car Company stock, 

Union Trust Company stock, New York, 

Illinois Central Railroad stock, 

Cleveland, Cinn., Chic. & St. Louis R.R. bonds 

Union Pacific Railroad bonds, . 

Manhattan Elevated Railroad bonds. 



Market Value. Amount Loaned. 

$49,800 00>| 
41,200 00 I 



20,700 00 



7,700 00 
6,000 00 ' 

1,100 00 
53,000 00 ^ 



[ $100,000 00 



28,000 00 



22,500 00 
26,000 00 j 
49,200 00^ 
8,400 00 ' 
4,165 00 
3,950 00 j 
16,600 00 
14,640 00 
6,900 00 
38,400 00 
5,400 00 
3,680 00 }> 
8,000 00 
1,080 00 
21,750 00 
5,450 00 
3,269 00 J 



y 100,000 00 



!> 50,000 00 



100,000 00 



$2,649,333 00 $2,022,800 00 



Schedule B. 

Bonds owned by the Company. 



United States bonds, 

Essex County, N. J., bonds, 

Union County, N. J., bonds, 

Buchanan County, Mo., bonds, . 

Lincoln County, Mo , bonds, 

Pettis County, Mo , bonds, 

Tippecanoe County, Ind , bonds, 

Van Buren County, Iowa, bonds, 

Uinta County, Wyoming, bonds, 

Elizabeth City County, Virginia, bonds, . 

City of Newark, N. J., bonds, . 

City of Orange, N. J., bonds, . 

City of New Brunswick, N. J , bonds, 

City of Elizabeth, N. J. (adjustment), bonds, 

City of Rahway, N. J., bonds, . 

City of South Bend, Ind., bonds, 



Par Value. 

f8,000 00 

1,080,000 00 

5,000 00 

450,000 00 

148,000 00 

104,500 00 

75,000 00 

15,500 00 

52,000 00 

12,000 00 

2,200,000 00 

60,000 00 

14,000 00 

1,095,000 00 

49,401 33 

153,000 00 



Market Value. 

. f8,880 00 

1.222,330 00 

5,000 00 

450,<)00 00 

148,000 00 

104,500 00 

75,000 00 

15,500 00 

52,000 00 

12,000 00 

2,203,500 00 

66,600 00 

14.840 00 

1,095,000 00 

49,401 33 

153,000 00 



1891.] 



OF OTHER STATES. 



123 



City of Lafayette, Ind., bonds, . 

City of Erie, Pa., bonds, . 

City of Sjjringfield, 111., bonds, 

City of Toledo, Ohio, bonds, 

City of Columbus, Ohio, bonds, 

City of Sandusky, Ohio, bonds, 

City of Cleveland, Ohio, bonds, 

City of Sedalia, Mo., bonds, 

City of Saginaw, Mich., bonds, . 

City of Colorado Springs, Col , bonds, 

Township of Montclair, N. J., bonds, 

Township of West Orange, N. J., bonds, 

Township of East Orange, N. J., bonds, 

Colorado State warrants, . 

Hoboken Land Improvement Co. bonds, 

Hackensaek, N. J., Water Co. bonds, 

Grand Rapids & Indiana Railroad bonds, 

Belvidere Delaware Railroad bonds, 

Chicago, Burlington & Quincy R R. bonds, 

Perth Amboy & Woodbridge Railroad bonds, 

Central Railroad of New Jersey bonds, . 

Chicago, Rock Island & Pacific R.R. bonds, 

Freehold & Jamesburg Agric R.R bonds, 

Shamokin, Sunbury & Lewisburg R R. bonds 

New York Central Railroad bonds, . 

Wilkesbarre & Scranton Railroad bonds, 

N. Y , Susquehanna & Western R R. bonds, 

Phila , Wilmington and Baltimore R R bonds 

Philadelphia & Erie Railroad bonds, 

Cleveland & Canton Railroad bonds, 

Seattle, Lake Shore & Eastern R R. bonds, 

West Shore bonds, guaranteed, 

Saginaw & Western Railroad bonds, 

Morris & Essex Railroad bonds, 

New York, Lacka. & Western Railroad bonds 

Lehigh Valley Railroad bonds, 

Lehigh Valley Terminal Railroad bonds, 

Rio Grande Western Railroad bonds, 

Jackson, Lansing & Saginaw Railroad bonds, 



Par Value. 

$160,000 00 
152,000 00 
114,300 00 
218,000 00 

50,000 00 

28,000 00 
250,000 00 

50,000 00 
100,000 00 

50,000 00 
305,000 00 
128,500 00 
276,708 10 

49,401 51 
100,000 00 
100,000 00 

50,000 00 
750,000 00 
150,000 00 
100,000 00 
250,000 00 
100,000 00 
100,000 00 

40,000 00 

20,500 00 
100,000 00 
100,000 00 
250,000 00 
500,000 00 

50,000 00 

50,000 00 
437,500 00 

25,000 00 
300,000 00 

50,000 00 
150,000 00 
200,000 00 
100,000 00 

25,000 00 



Market Value. 

$177,600 00 
158,080 00 
114,300 00 
232,705 00 

50,000 00 

28,000 00 
263,000 00 

50,000 00 
100,000 00 

51,250 00 
305,000 00 
144,700 00 
276,708 10 

49,401 51 
103,000 00 
105,000 00 

58,500 00 
750,000 00 
•139,500 00 
100,000 00 
275,000 00 
101,000 00 
100,000 00 

42,000 00 

20,910 00 
100,000 00 
101,000 00 
250,000 00 
500,000 00 

44,000 00 

47,500 00 
446,250 00 

23,750 00 
399,000 00 

54,500 00 
150,000 00 
214,000 00 

78,000 00 

26,000 00 



f 11,551,310 94 $11,905,205 94 



124 



LIFE INSURANCE COMPANIES [Dec. 31, 



"NATIONAL LIFE INSURANCE COMPANY," MONTPELIER, 

VERMONT. 

[Incorporated Nov. 13, 1S48. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. George W. Reed. Secretary. 



Income. 

New premiums without deductions, 

Renewal premiums, 

Premiums paid by surrendered policies, . 



Total, 

Cash received for interest, .... 
Cash received for rents of company's property, 

Total income, 

Net or ledger assets Dec. 31, 1890, . 

Total 



8110,760 78 

1,455,046 66 

11370 

f 1,877,678 23 

331,597 88 

9,084 74 

$2,218,360 85 
6,437,115 86 

S8,65o,47t ; 71 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and addition >, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowment 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, ... 
Cash surrender values, including reconverted additions ap 

plied in payment of premiums, ..... 
Cash dividends paid policy-holders, .... 
Premium notes or loans used in payment of dividend-. . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, printing, etc., .... 



$480,978 31 

993 31 

82,305 27 

1,219 73 

$565,496 62 
257,985 87 

7,401 59 

11,870 79 

105,843 86 

101 93 

$948,700 66 

403,588 07 
35,692 27 
30,647 94 
31,041 50 
46,672 12 
21,096 39 
6,490 95 
17,620 6o 



1891.] 



OF OTHER STATES. 



125 



Cash paid for incidentals, 
Profit and loss account, 

Total disbursements, . 
Balance, 



$10,283 95 
100 00 

$1,551,934 50 
$7,103,542 21 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances ($14,784.34 since received), 



Ledger assets (as per balance), 

Other Assets. 
Interest due and accrued, .... 
Market value of stocks and bonds, over par, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$326,050 54 

3,268,242 36 

89,531 50 

427,688 92 

85,990 49 

2,594,856 73 

14,306 55 

240,244 23 

56,630 89 

$7,103,542 21 



$158,464 94 
119,614 68 



$124,955 07 
180,243 09 

$305,198 16 , 
61,039 63 



244,158 53 



. $7,625,780 36 



Items not admitted. 



Agents' balances, 

Total admitted assets, . . . • 

Liabilities. 

Computed premium reserve or net present value of all out 

standing policies (actuaries' 4 per cent.), 
Claims resisted by the company, 
Unpaid dividends of surplus due policy-holders, 
Balance due on surrendered policies, 
Extra reserve on life-rate endowment policies, 

Liabilities as to policy-holders, . 



41,846 55 



. $7,583,933 81 



1,451,643 00 

7,000 00 

7,346 02 

2,867 30 

320,200 49 

),789,056 81 



126 



LIFE INSURANCE COMPANIES [Dec. 31, 



Surplus as regards special policy-holders, 

Surplus as regards other policy-holders, . 

Gross surplus, 

Gross liabilities, 



$6,744 02 
788,132 98 



1,877 00 



. $7,583,933 81 



Premium Note Account. 



Premium notes on hand Dec. 31, 1890, 
Premium notes received during 1891, 

Total, 

Used in payment of losses and claims, 

of surrendered policies and 

voided by lapse, 
of dividends to policy- 
era, 
Redeemed by maker in cash, . 

Total, 



Balance note assets Dec. 31, 1891, 



hold- 



$67,422 61 

56,782 82 

$2,213 04 

7,401 59 

101 93 

28,498 38 



$124,205 43 



38,214 94 



£85,990 49 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount 

12,163 $33,024,993 00 

9,436 13,265,147 00 

5 8,500 00 

63,661 00 

21,604 $46,362,301 00 



Whole life, 
Endowment, 



Whole life, 
Endowment, 



Policies issued during the Year. 

. 4,422 $11,682,028 00 
. 1,247 2,950,332 00 



5,669 14,632,360 00 



Old Policies revived. 

13 $38,000 00 

6 13,715 00 





19 


51,715 00 


Policies chan 


cred and increased, .... 4 


24,500 00 


Additions by 


dividends, - 


5,846 00 




£61,076,722 00 




Policies terminated during the Year. 




Whole life, 


. 2,582 $7,116,008 00 




Endowment, 


. 1,411 2,587,299 00 




All other, . 


4,067 00 





3,993 $9,707,374 00 



1891.] 



OF OTHER STATES. 



127 





How terminated. 






Number. 


Amount. Total No. 


Total Amount. 


By death, . 


234 


$488,972 00 




maturity, 


46 


83,525 00 




surrender, 


. 1,084 


1,969,255 00 




lapse, . 


. 1,586 


3,930,900 00 




change and decrease, 


43 


444,672 00 




Not taken, . 


. 1,000 


2,790,050 00 








3,993 


$9,707,374 00 



Policies in force Dec. 31, 1891. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



14,016 $37,642,013 00 

9,278 13,646,895 00 

9 15,000 00 

65,440 00 



23,303 $51,369,348 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

National Car Company stock, .... $8,250 00 

Lane Manuf ing Co. stock, Montpelier, Vt., . 71,500 00 

Lane Manufing Co. stock, Montpelier, Vt., . 2,500 00 

Mortgage note, 3,200 00 

Mortgage notes, 831 00 

Mortgage notes 10,000 00 

110 shares Gordon Orchard & Vine. Co., Cal., . 5,500 00 

160 shares Banner Vineyard Company, Cal., . 6,800 00 

Gordon Orchard and Vineyard Co notes, . 4,500 00 

Grangeville Vineyard Company, Cal., notes, . 4,000 00 

Otoe, Woodbury County, la , school bonds, . 4,200 00 

Vermont Marble Company bonds, . . . 10,320 00 

Personal loans, 5,000 00 

First National Bank stock, Montpelier, . . 2,432 00 

Mortgage notes, 2,150 00 



Amount Loaned. 

$6,000 00 
31,500 00 

I 3,200 00 

730 00 
10,000 00 

\ 

\ 15,101 50 



4,000 00 
10,000 00 
5,000 00 
2,000 00 
2,000 00 



$141,183 00 $89,531 50 



Schedule B. 

Stocks and Bonds owned by the Company. 

• Par Value. 

United States bonds, $105,000 00 



State of New Hampshire bonds, 
State of Missouri bonds, . 
State of Nebraska warrants, 
CityjDf Boston bonds, 
City of Chelsea, Mass., bonds, . 
City.of Fitchburg, Mass., bonds, 



11,000 00 
11,000 00 
6,063 36 
10,000 00 
30,000 00 
60,000 00 



Market Value. 

$122,850 00 
13,492 60 
11,836 00 
6,184 63 
12,100 00 
31,392 00 
61,950 00 



128 



LIFE INSURANCE COMPANIES [Dec. 31, 



City of Lawrence, Mass., bonds, 
City of Worcester, Mass., bonds, 
City of Burlington, Vt , bonds, 
City of Meriden, Conn., bonds, 
City of Crystal Lake, 111., bonds, 
City of Danville, 111., bonds, 
City of Irving Park, 111., bonds, 
City of Springfield, 111., bonds, 
City of Afton, la , bonds, . 
City of Burlington, la , bonds, . 
City of Creston, la , bonds, 
City of Corning, la., bonds, 
City of Carroll, la., bonds, 
City of Fort Dodge, la , bonds, 
City of Hampton, la., bonds, . 
City of Independence, la., bonds, 
City of Nevada, la., bonds, 
City of North Des Moines, la., bond 
City of Marion, la , bonds, 
City of Spencer, la , bonds, 
City of Sioux City, la., warrants, 
City of Indianapolis, Ind., bonds, 
City of Newton, Kan , bonds, . 
City of Niles, Mich., bonds, 
City of Duluth, Minn , bonds, . 
City of Minneapolis, Minn., bonds, 
City of La Suer, Minn., bonds, . 
City of Stillwater, Minn., bonds, 
City of Winona, Minn., bonds, . 
City of West Helena, Mont., bonds, 
City of Joplin, Mo , bonds, 
City of Lincoln, Neb , bonds, . 
City of Lincoln, Neb , warrants, 
City of Kearney, Neb , bonds, . 
City of Kearney, Neb , bonds, . 
City of Omaha, Neb., bonds, 
City of Red Cloud, Neb., bonds, 
City of Fostoria, O., bonds, 
City of £. Liverpool, O., bonds, 
City of Piqua, O., bonds, . 
City of Sioux Falls, S. D., bonds, 
City of Huron, S. D., bonds, 
City of Ogden, Utah, bonds, . 
City of Seattle, Wash., bonds, . 
City of Appleton, Wis., bonds,. 
City of Fond du Lac , Wis., bonds, 
City of Cheyenne, Wyo., bonds, 
County of Otero, Col., bonds, . 



Par Value. 

',000 00 
20,000 00 
25,000 00 
35,000 00 
5,000 00 
8,000 00 
4,500 00 
18,200 00 
5,900 00 
5,000 00 
14,000 00 
15,000 00 
5,000 00 
11,000 00 
13,000 00 
10,000 00 
12,000 00 
5,000 00 
22,000 00 
5,500 00 
10,000 00 
25,000 00 
12,000 00 
9,000 00 
14,000 00 
32,000 00 
5,000 00 
41,000 00 
3,000 00 
10,000 00 
6,500 00 
50,000 00 
70,570 28 
10,000 00 
25,000 00 
20,000 00 
10,000 00 
16,000 00 
20,000 00 
10,000 00 
20,000 00 
12,500 00 
20,000 00 
40,000 00 
24,000 00 
20,000 00 
15,000 00 
4,000 00 



Market Value. 
$21,00! 
20,110 00 
.000 00 
,072 60 
5,507 50 
19 20 
4,758 30 
19,668 94 
6,633 96 
5,215 00 
14,050 40 
16,255 50 
5,076 50 
11,118 40 
13,000 00 
10,208 00 
12,111 60 
5,204 00 
23,903 00 
5,586 90 
10,068 00 
27,542 50 
12,679 20 
9,945 00 
14,462 00 
32,649 40 
5,019 50 
43,697 80 
3,007 20 
10,718 00 
6,639 75 
52,640 00 
71,275 98 
10,665 00 
26,455 00 
21,788 00 
10,070 00 
16,504 00 
21,012 00 
10,960 00 
21,224 00 
13,245 00 
20,676 00 
40,000 00 
24,996 90 
20,574 00 
15,450 00 
4,247 60 



1891.] 



OF OTHER STATES. 



129 



County of flaskell, Kan., bonds, 
County of Wyandotte, Kan., bonds, 
County of Douglas, Neb., bonds, 
County of Dundy, Neb., bonds, 
County of Lancaster, Neb , bonds, 
County of Paulding, O., bonds, 
County of Clark, S. D., bonds, . 
County of Outagamie, Wis , bonds, 
Town of Arlington, Vt , bonds, 
Town of Bakersfield, Vt, bonds, 
Town of Essex, Vt., bonds, 
Town of Greensboro 1 , Vt , bonds, 
Town of Highgate, Vt , bonds, 
Town of Hyde Park, Vt , bonds, 
Town of Jay, Vt., bonds, . 
Town of Jamaica, Vt , bonds, . 
Town of Jericho, Vt , bonds, . 
Town of Johnson, Vt , bonds, . 
Town of Montpelier, Vt., bonds, 
Town of Mt. Tabor, Vt., bonds, 
Town of Newfane, Vt , bonds, . 
Town of Swanton, Vt , bonds, . 
Town of Sheldon, Vt , bonds, . 
Town of Troy, Vt., bonds, 
Town of Underhill, Vt , bonds, 
Town of Wolcott, Vt., bonds, . 
Town of Woodstock, Vt., bonds, 
Town of W T illiston, Vt,, bonds,. 
Town of Monmouth, 111 , bonds, 
Town of South Denver, Col , bonds, 
Village of Barre, Vt., bonds, . 
Village of Brandon, Vt., bonds, 
Village of Montpelier, Vt , bonds, 
Village of Richford, Vt., bonds, 
Village of St. Johnsbury, Vt., bonds 
Village of North Troy, Vt , bonds, 
Village of West Randolph, Vt , bonds, 
Village of Indianola, la., bonds, 
Village of West Duluth, Minn., bonds, 
Village of Canton, Ohio, bonds, 
Village of Lorain, Ohio, bonds, 
Village of Leetonia, Ohio, bonds, 
Village of North Bend , Neb., bonds, 
Kansas, Neb and Colorado, County wan 
Vermont Marble Company's bonds, 
Denver, Col., bonds, . 
Pueblo, Col., bonds, . 
Pueblo County, Col., bonds, 



ants 



I'm- Value. 

1,000 00 

22,000 00 

20,000 00 

1,800 00 

• 50,000 00 

10,000 00 

15,000 00 

25,000 00 

15,000 00 

3,000 00 

3,000 00 

3,500 00 

30,064 50 

17,000 00 

6,000 00 

10,000 00 

4,000 00 

7,000 00 

46,000 00 

6,000 00 

6,000 00 

71,500 00 

22,000 00 

3,000 00 

13,000 00 

5,300 00 

7,000 00 

2,400 00 

20,000 00 

25,000 00 

38,000 00 

24,000 00 

9,000 00 

17,000 00 

6,000 00 

14,000 00 

12,000 00 

13,000 00 

20,000 00 

20,000 00 

12,000 00 

12,000 00 

2,000 00 

275,208 98 

20,000 00 

20,000 00 

30,000 00 

58,000 00 



Market Value. 

$15,559 60 

22,257 40 

22,292 00 

1,960 92 

50,120 00 

10,072 00 

15,322 50 

25,937 50 

15,991 50 

3,021 00 

3,030 00 

3,684 10 

31,937 52 

17,137 70 

6,475 20 

10,144 00 

4,112 00 

7,070 00 

46,000 00 

6,460 20 

6,168 00 

74,190 05 

22,646 80 

3,117 60 

13,644 10 

5,575 07 

7,000 00 

2,423 28 

20,762 00 

28,170 00 

38,000 00 

24,000 00 

9,042 30 

17,204 00 

6,000 00 

14,315 00 

12,000 00 

13,000 00 

20,920 00 

20,144 00 

12,775 20 

12,192 00 

2,037 60 

277,961 07 

21,268 00 

20,800 00 

30,351 00 

58,928 00 



130 



LIFE INSURANCE COMPANIES [Dec. 31, 



Algona, la , bonds, . 
Carroll County, la., bonds, 

County, la., bonds, 
Griswold, Cass County, la , bonds, 
Cedar Rapid-. la . bonds, 
Newton, la., bonds, . 
Obrien County, la., bonds, 
Osceola, la., bonds, . 
Perry, la , bond-, 
Red Oak, la., bonds, . 
Rock Rapids, la., bond-, 
Rock Rapids, la., bonds, 
Sanborn, la., bonds, . 
Rock Island, 111 , bonds, 
Anderson, Ind , bon 
Atchison County, Kan , bonds, 
Coffey ville, Kan , bonds, . 
Cloud County. Kan , bonds. 
Dickinson County, Kan., bonds, 
Barber County, Kan , bonds, 
Gray County, Kan , bonds, 
Graham County, Kan., bonds, 
Horton County, Kan , bonds, 
Liberal, Kan , bond-. 
Oakdale, Kan., bonds, 

'sho County, Kan , bonds, 
Kingman County, Kan , bonds, 
Reno County, Kan . bonds, 
Stanton County, Kan , bonds, 
Sedgwick County, Kan., bonds, 
Wa-Keeney County, Kan., bonds, 
Wellington, Kan., bonds, . 
West Bay City, Mich , bonds, 
Faribault, Minn , bonds, . 
Harlan, Mo., bonds, . 
Antelope County, Xeb., bonds, 
Blaine County, Xeb , bonds, 

- County, Xeb , bonds, 
Aurora, Xeb., bonds, . 
Box Butte County, X'eb., bonds, 
Dawson County, Xeb., bonds, 
Holt County, Neb., bonds, 
Howard County, Neb , bonds, 
Hitchcock County, Kan., bonds, 
Harlan County, Neb., bonds, 
Kearney County, Neb., bonds, 
Jefferson County, X'eb., bonds, 
Saunders County, Neb., bonds, . 



Par Value. 

$5, (XX) 00 

7,000 00 

•0 00 

4,000 00 

29,500 00 

10,000 00 

10,000 00 

3,500 00 

12,000 00 

3,000 00 

2,000 00 

3,000 00 

3,000 00 

25,0c 

10 00 

10,000 00 

00 

3,500 00 

10 00 

00 

10 00 

10,000 00 

13,000 00 

15,000 00 

00 

10 00 

3,000 00 

3,500 00 

1,000 00 

8,000 00 

1,500 00 

14,000 00 

11,000 00 

4,000 00 

2,500 00 

4,000 00 

5,500 00 

9,000 00 

5,000 00 

5,000 00 

3.400 00 

3,000 00 

700 00 

350 00 

4,500 00 

19,909 61 

2,000 00 

7,950 00 



Market Value. 

?5,036 00 
7,11 

1,542 60 

4,056 00 

00 00 

10,117 00 

10,000 00 

3,581 90 

12,217 90 

3,125 10 

6 80 

3,105 00 

S3 80 

56 00 

53 15 

12,162 00 

8,014 60 

3,639 65 

12,658 80 

4,860 10 

-4 00 

11,144 40 

14,127 10 

15,000 00 

2,7. 

1 21 
3,2* 
3,904 95 

2 80 
8,468 00 
1,614 35 

14JB09 20 
11.440 00 
4,009 60 
2,568 " 
4.150 4o 
74 10 
9,6> 

5,456 00 

5,456 00 

3,693 08 

3.472 50 

716 24 

357 42 

4.785 75 

21,303 56 

2.11 . 

Ml M 



1891.] 



OF OTHER STATES. 



131 



Saline County, Neb., bonds, 

Thayer County, Neb., bonds, 

Nance County, Neb., bonds, 

York County, Neb , bonds, 

Dennison, O., bonds, . 

Martin's Ferry, O., bonds, 

Hughes County, S. D., bonds, 

Huron, S D., bonds, . 

Johnson County, S. D., bonds, 

Pierre, S. D., bonds, . 

First National Bank, Montpelier, Vt., stock, 

Montpelier Natl Bank, Montpelier, Vt., stock, 



Par Value. 

$35,000 00 

1,500 00 

3,000 00 

1,500 00 

7,500 00 

10,000 00 

10,000 00 

20,000 00 

8,000 00 

5,000 00 

26,000 00 

1,700 00 



Market Value. 

$36,305 00 

1,569 75 

3,190 50 

1,569 75 

7,953 75 

10,254 00 

10,749 00 

20,700 00 

8,000 00 

5,160 00 

33,280 00 

2,975 00 



$2,594,856 73 $2,714,471 41 



"NEW YORK LIFE INSURANCE COMPANY," NEW YORK, N. Y. 

[Incorporated 1841. Commenced business 1845.] 

John A. McCall, President. Charles C. Whitney, Secretary. 

Income. 
New premiums without deductions, $4,478,722 00 



Renewal premiums, 

Premiums paid by dividends, including additions, . 

Premiums paid by surrendered policies, . 

Cash received for annuities, 



Total, 

Deduct amount paid for re-insurance, 



Total premium income, 

Cash received for iuterest, 

as discount on claims paid in advance, 
for rents of company's property, 

Trust deposits, 



19,076,274 97 

724,525 33 

706,081 67 

1,304,120 81 

$26,289,724 78 

33,449 38 

$26,256,275 40 

. 4,986,168 16 

2,636 63 

559,922 29 

49,192 50 



Total income, .... 
Net or ledger assets Dec. 31, 1891, . 
Less decreased valuation,* 



$31,854,194 98 
$108,799,392 72 
2,345,508 02 
106,453,884 70 



Total, $138,308,079 68 



* Resulting from examination by New York Insurance Department. 



132 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Xet amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values, including reconverted additions applied 

in payment of premiums, 

Cash dividends paid policy-holders, $535,046.17; applied in 

payment of premiums, $724,525 33, .... 

Instalment paid on trust deposit, 

Premium notes or loans used in payment of dividends, . 



Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 

for repairs and care of real estate, . 

Total disbursements, 

Balance, 



$6,133,687 02 

18,44.-- 
1,000,374 50 
420 55 

$7,218,9- 
64,511 69 

57.154,415 81 
1,371,634 26 
1,668,839 32 



41,369 04 

1,171,891 71 

1,259,571 50 

3,000 00 

769 24 

$12,671,490 88 
3,783,142 69 
135,000 00 
291,680 11 
500,578 18 
284,150 60 
106,435 00 
222,013 02 
1,213,717 72 
249,881 70 

$19,458,089 90 
$118,849,989 78 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Book value of stocks and bonds owned (schedule B), 

Cash in company's office, ' 

Cash deposited in bank, 

Agents 1 ledger balances, 



Ledger assets (as per balance), 



$12,428,247 15 

21,406,233 56 

4,551,000 00 

521,700 28 

73,578,274 02 

5,486 24 

6,065,456 03 

293,592 50 



$118,849,989 78 



1891.] 



OF OTHER STATES. 



133 



Other Assets. 



Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over book, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, . .... 

Deduct loading (20 per cent.),. 
Net am't of uncollected and deferred prem's, 

Total assets per company's books, . 



$542,424 29 

22,613 52 

4,009,389 38 



$1,935,620 00 
1,509,962 93 



1,445,582 93 
689,116 59 



2,756,466 34 



$126,240,883 31 



Items not admitted. 



Agents 1 balances, 



Total admitted assets, 
Deduct special deposits in other States, . 



Balance, 



293,592 50 



$125,947,290 81 
. 3,914,087 95 



$122,033,202 86 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $108,979,249 00 



Deduct net value of re-insured risks, 

Net re-insurance reserve, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in 

process of adjustment, .... 
Claims resisted by the company, 
Due and unpaid on annuity claims, . 

Total policy claims, .... 
Premiums paid in advance, 

Trust deposits, 

Special reserve on annuities, . 

« 
Liabilities as to policy-holders, . 

Deduct liabilities on special deposits, 



Surplus as regards Tontine policy-holders, 
Surplus as regards other policy-holders, . 
Gross surplus, ..... 



336,796 00 

$108,642,453 00 
$47,993 71 

1,194,167 67 

9,000 00 

28,060 68 

1,279,222 06 

52,696 94 

46,192 50 

988,921 00 



$111,009,485 50 

. 3,914,087 95 

$107,095,397 55 
£9,757,121 00 
5,180,684 31 
14,937,805 31 



Gross liabilities, 



$122,033,202 86 



134 LIFE INSURANCE COMPANIES [Dec. 31, 

Premium Note Account. 

Premium notes on hand Dee. 31, 1890, . . $431,108 71 

Premium notes received during 1891, . . 316,147 57 

Total, $747,256 28 

Used in payment of losses and claims, . . $18,865 92 
of surrendered policies and 

voided by lapse, . . 41,673 52 
of dividends to policy-hold- 
ers, 769 24 

Redeemed by maker in cash, .... 164,247 32 

Total, 225,556 00 



Balance note assets Dec. 31, 1891, $521,700 28 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amonnt. Total No. Total Amount. 

Whole life, . . . 117,254 8406,767,200 00 
Endowment, . . . 45,485 153,146,742 00 
All other, .... 10,730 5,203,300 00 
Reversionary additions, . - 4,221,484 00 

173,469 8569,338,726 00 

Policies issued during the Year. 

Whole life, . . . 36,667 $113,024,100 00 
Endowment, . . . 10,439 31,676,300 00 
All other, .... 5,405 5,750,900 00 

52,511 150,451,300 00 



Old Policies revived. 

Whole life, ... 168 $650,616 00 
Endowment, ... 59 316,702 00 

All other 8 2,000 00 



235 969,318 00 



Old Policies increased. 

Whole life, . . . 16,849 
Allother, .... 109,300 



126,149 00 

Additions by dividends, - 1,118,215 00 

• - ^^- ^^- - ^— — —— — 

Total, 226,215 §722,003,708 00 

Policies terminated during the Year. 

Whole life, . . . 21,100 $75,297,365 00 

Endowment, . . . 8,120 27,235,658 00 

All other, .... 3,543 3,611,700 00 

Reversionary additions, . - 1,034,272 00 



32,763 $107,178,995 00 



1891.] 


OF 


OTHER STATES. 13 

Hoy) terminated. 






Number. 


Amount. Total No. Total Amount 


By death, . 


. 


1,975 


$6,351,999 00 


maturity, 


. 


640 


1,459,808 00 


expiry, . 


■ 


422 


72,899 00 


surrender, 


. 


4,196 


17,206,112 00 


lapse, . 


. 


14,881 


41,570,631 00 


change and deer 


ease, . 


- 


1,382,482 00 


Not taken, . 


• 


10,649 


39,135,064 00 

39 7GS ft107.17ft.995 I 



Policies in force Dec. 31, 1891. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



132,989 $445,161,400 00 

47,863 157,904,086 00 

12,600 7,453,800 00 

4,305,427 00 

193,452 $614,824,713 00 



Schedule A. 

Securities held as Collateral. 

Market Value 

Lake Shore & Michigan Southern R.R. bonds, $12,150 00 
Michigan Central Railroad bonds, . 
Toledo & Ohio Central Railroad bonds, . 
New Haven & Derby Railroad bonds, 
Atchison, Topeka & Santa Fe R.R. bonds, 
Chicago, Milwaukee & St. Paul R.R. bonds, 
Missouri Pacific Railroad bonds, 
Sandusky City, O., Railroad bonds, . 
Chicago, St. Louis & New Orleans R R. bonds 
Wheeling & Lake Erie Railroad bonds, . 
Knoxville & Ohio Railroad bonds, . 
1800 shares Chic , Mil & St. Paul Railroad, 
800 shares Pullman Palace Car Company, 
Kentucky Central Railroad bonds, . 
Chesapeake & Ohio Railroad bonds, 
Central Pacific Railroad bonds, 
Chesapeake & Ohio Railroad bonds, 
Southern Pacific of Arizona Railroad bonds, 
Louisville, New Orleans & Texas R.R. bonds 
Central Pacific Railroad bonds, 
Utah Southern Railroad bonds, 
Seattle, Lake Shore & Eastern R.R. bonds, 
St Paul, Minn & Manitoba R.R. bonds, . 
Denver & Rio Grande Railroad bonds, . 
Mil , Lake Shore & Western R R. bonds, . 
Mississippi River bridge Railroad bonds, 



!> 250,000 00 



Amount Loaned. 

$10,000 00 

6,500 00 >} 
17,765 00 
18,000 00 

1,700 00 j> 40,000 00 

1,780 00 

1,630 00 , 
510 00 J 
28,500 00 ^ 
23,625 00 ' 
44,520 00 
221,400 00 
147,200 00 
85,500 00 
51,750 00 
100,000 00 
51,750 00 j 

52,000 00 }> 200,000 00 
42,750 00 j 
25,250 00 J 
18,280 00' 
19,320 00 

3,495 00 

5,800 00 
12,200 00 

1,050 00 J 



100,000 00 
100,000 00 



1 



} 50,000 00 



13*5 



LIFE INSURANCE COMPANIES [Dec. 31, 



Northern Pacific Land Grant bonds, 
Chi _ & N rthern Pacific Railroad bon 

1 s Firs! National Bank. M 

Fii>t National Bank. Macon, Ga , 

2 " New York Security and Trusr 
Chic, St L du A Xew Orleans R.R bonds, 
Cleve , Col., Cinn. & Indianapolis R R. bonds 

Erie (first lien) bond- 

Chicago, Milwauk Paul R.R. bon< 

tfa ft North Alabama R.R. bon 
Rio Grande ft Western Railroad bonds. . 
Tol- iiio Central Railroad bond- 

Peoria, Decatur ft Evansville R.R. bonds. 
700 shares Manhattan Elevated Railroad, 

50 " Illinois Central Railroad. 
200 " Chic , Rock Island & Pacific R.R , 
100 " Cleve., Cinn , Chic ft St. Louis R.R. 

30 " Chicago, Burl. & Quincy R.R , 
159 ■• Western Cnion Telegraph Co., 
520 " Delaware, Lack, ft Western R.R.. 
100 " St Paul ft Duluth, preferred, 
150 " Pennsylvania Railroad, . 
500 " Delaware & Hudson Railroad, 
100 " Canada Southern Railroad, 

50 " Morris A Essex Railroad, 
500 " St. Paul, Minn, ft Manitoba R.R., 
500 " Manhattan Elevated Railroad, 
200 " Western Union Telegraph Co , 
500 " Central R R of New Jerse;. 
500 " Chicago, Mil. A St. Paul R.R . 
Louisiana State bonds, .... 
S nhern Pacific Railroad of Arizona bon 
Southern Pacific R.R. of California bonds, 
Kentucky Central Railroad bonds, . 
Gal., Harrisbur. San Antonio R.R. bonds. 
200 shares Chic , Burl, ft Quincy R R. . 
200 " Chic , Rock Island & Pacific R.R . 
200 " Delaware £ Hudson Railroad, 
Southern Pacific R.R. of California bonds, 
Kentucky Central Railroad bonds, . 
Southern Pacific Railroad of Arizona bon 
Gal.. Harrisbui _ S 1 Antonio R.R. bou 
Louisville, New Orleans ft Texas R.R. bonds 
300 - - Delaware ft Hudson R.R , 
100 '• Chic , Burl. & Quincy Railroad, 
10C) - Chic, R<xk Island ft Pacific RR . 
100 " Delaware. Lack. A Western R.R , 
800 u Pullman Palace Car Company, 



rket Va'.ae. 

$604.- 
144,000 00 

39,000 00 
140,600 00^ 
-.000 00 

183,500 00 

00 

80,000 00 J 

31,3.30 00 

1,080 00 ^ 

100 00 

.<0 00 

900 00 

00 

n oo 

13,276 00 }- 
36,110 00 
.400 00 
8,700 00 
61,250 00 
6,100 00 
7.250 00 
'.000 00^ 
00 I 
16,700 00 l 
55,500 00 j 
61,500 00J 
621,800 00 
.300 00 >j 
88J0OO 00 
21.375 00 
7,000 00 } 
00 
17,800 00 
24,500 00 J 
22.400 00 ^ 
17,100 
00 00 
700 00 

00 }► 
-' 
K) 00 
- 00 
.0 00 
147.. 



Amount Loaned. 

|600,000 00 

a ,ooo oo 

00 
,000 00 



}> 500,000 00 






200,000 00 



200,000 00 
500,000 00 

100,000 00 



100,000 00 



: 



1891.] 



OF OTHER STATES. 



137 



500 shares Central R.R. of New Jersey, . 
500 " St. Paul, Minn. & Manitoba R.R., 
700 " Manhattan Elevated Railroad, 
300 " Western Union Telegraph Co., 
500 " Chic., Rock Island & Pacific R R., 
200 " Chicago, Mil & St Paul R.R., ■ 
200 " Lake Shore Railroad, 
Canada Southern Railroad bonds, . 

9 shares N. Y., New Haven & Hartford R.R 

10 " New York & Harlem Railroad, 
6 " National Park Bank, New York, 
200 " Chic, Rock Island & Pacific R R., 
300 " Western Union Telegraph Co., 
200 " Evansville & Terre Haute R.R , 
100 " Manhattan Elevated Railroad, 
100 " Delaware & Hudson Railroad, 
200 " Mil., Lake Shore & Western R R , 
200 " Chic, Rock Island & Pacific R R , 
150 " Western Union Telegraph Co , 
100 " Chicago & Northwestern R.R , 
100 " Louisville & Nashville Railroad, 
Tennessee State bonds, .... 
Chicago, Burlington & Quincy R R. bonds, 
Northern Pacific Land Grant bonds, 
Galves , Harrisburg & San Antonio R R. b'ds 
Texas & Pacific Railroad bonds, 
100 shares Manhattan Elevated Railroad, 
100 " Chic, Rock Island & Pacific R R , 
100 " Chicago & Eastern Illinois RR, 

10 " Chic, Milwaukee & St. Paul R.R., 
800 " Pullman Palace Car Company, 
700 " St. Paul, Minne. & Manitoba R.R 
700 " Manhattan Elevated Railroad, 
700 " Central Railroad of New Jersey, 
600 " Western Union Telegraph Co., 
100 " Chic , Milwaukee & St. Paul R R , 
St. Louis & Iron Mountain Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Chesapeake & Ohio Railroad bonds, 
200 shares Manhattan Elevated Railroad, 
100 " New York Central Railroad, . 

50 " Illinois Central Railroad, 
100 " Mil., Lake Shore & Western R.R., 
Plannibal and St. Joseph Railroad bonds, 
Atchison, Topeka & Santa Fe R R. bonds, 
Southern Pacific R R. of California bonds, 
Louisville. New Orleans & Texas R.R. bonds, 
4100 shares Metropolitan Life Ins. Co , N. Y., 



Market Value. 

$55,500 00 >| 
57,000 00-j 
72,100 00 I 
25,050 00 |> 
44,500 00 
24,600 00 
24,600 00 j 
1,000 OO^j 
2,520 00 
1,250 00 j 
1,776 00 j 
17,800 00 \ 
25,050 00 
12,200 00 
10,300 00 j 
12,250 00^ 
26,400 00 
17,800 00 
12,525 00 
11,600 00 
8,350 00 
8,520 00 
10,450 00 
11,800 00 
4,750 00 J 
3,280 00 ' 
10,300 00 
8,900 00 j» 
10,250 00 j 
1,230 00 J 
147,200 00 
79,800 00^ 
72,100 00 
77,700 00 
50,100 00 
12,300 00 
8,500 00 
20,600 00 
10,350 00 'l 
20,600 00 I 
11,100 00 I 
5,400 00 j 
13,200 00 J 
11,650 00? 
8,550 00 S 
67,200 00 ) 
64,125 00 S 
102,500 00 



Amount Loaned. 



$250,000 00 



} 5,000 00 



y 50,000 oo 



> 100,000 00 



25,000 00 
100,000 00 

250,000 00 

16,000 00 
50,000 00 

15,000 00 

100,000 00 
50,000 00 



138 



LIFE INSURANCE COMPANIES [Dec. 31, 



St Louis & Iron Mountain It R. bonds, . 
Louisville & Nashville Railroad bonds, . 
New York, Ontario & Western RR bonds, 
Missouri, Kansas & Texas Railroad bonds, 
Louisville, New Albany & Chic. RR. bonds, 
100 shares Illinois Central Railroad, 
100 " Chic., Mil. & St. Paul Railroad, 
200 " Lake Shore Railroad, 
New Haven & Derby Railroad bonds, 
Toledo & Ohio Central Railroad bonds, . 
Michigan Central Railroad bonds, . 
Evansville & Indianapolis Railroad bonds, 
Sandusky, Mansfield & Newark R.R. bonds, 
Chicago & Northwestern R.R bonds, 
Northern Pacific Land Grant bonds, 
Chic , St. Louis & New Orleans R.R. bonds, 
Cincinnati City, Ohio, Railroad bonds, 
Indianapolis and St. Louis R.R. bonds, . 



Schedule B. 



Market Value. Amount Loaned. 

$5,350 OO^i 



> $100,000 00 



8,150 00 
29,850 00 
11,130 00 
20,000 00 
10,800 00 
12,300 00 
24,600 00 J 

9,000 00 
22,990 00 

5,200 00 
88,000 00 
38,080 00^ 
30,750 00 
56,640 00 
56,000 00 
44,550 00 
22,800 00 J 



$5,872,357 00 $4,551,000 00 



30,000 00 
70,000 00 

j> 200,000 00 



Stocks and Bonds owned by the 



United States bonds, . 
Alabama State bonds, 
Georgia State bonds, 
Mississippi State bonds, . 
South Carolina State bonds, 
Tennessee State bonds. 
Atlanta city, Ga , bonds. . 
Austin city, Texas, bonds, 
Callaway County, Missouri, bonds, 
Custer County, Montana, bonds, 
Dallas city, Texas, bonds, 
Duluth city, Minn., bonds, 
Douglas County, Neb , bonds, 
Elizabeth city, N. J , bonds, 
Flatbush, N. Y., water bonds, 
Flushing, N. Y., bonds, 
Galveston city, Texas, bonds, 
Jersey City, N. J., bonds, . 
Jefferson Count}*, Alabama, bonds, 
Louisville city, Ivy , bonds, 
Madison County, Alabama, bonds, 
Montgomery city, Alabama, bonds, 
Memphis city, Tenn , bonds, 
New York City, N. Y., bonds, . 



Company. 

Book Value. 

$779,763 59 

36,100 00 

1,500 00 

19,600 00 

27,624 37 

573,983 00 

5,112 50 

93,500 00 

] 25,000 00 

54.473 50 

446,337 25 

200,000 00 

81,952 00 

312,570 00 

19,600 00 

22,018 00 

173,730 00 

1,235,044 do 

303,234 00 

750,000 00 

60.300 00 

203,893 70 

103,780 00 

107,287 70 



Market Valne. 

$857,318 75 

48,240 00 

1,500 00 

19,600 00 

-.820 14 

581,715 00 

5,037 50 

93,500 00 

125,000 00 

54,473 50 

448,481 00 

200,000 00 

81,952 00 

314,800 00 

19,600 00 

25,465 00 

173,730 00 

1,282,934 16 

303,234 00 

741,875 00 

60,300 00 

203,893 70 

101,500 00 

128,177 07 



1891.] 



OF OTHER STATES. 



139 



Newark, N J , bonds, 
Nashville city, Tenn., bonds, . 
North Knoxville city, Tenn , bonds, 
Ottawa city, Canada, bonds, 
Omaha city, Neb., bonds, . 
Petersburg city, Va , bonds, 
Pierce County, Wash , bonds, 
Peoria Township, 111 , bonds, 
Quebec (Province of) bonds, 
Richmond city, Va , bonds, 
St. Paul, Minn., bonds, 
San Antonio, Texas, bonds, 
School District, Spokane County, Wash., bonds 
Tazewell County, 111 , bonds, 
Waco City, Texas, bonds, 
West Chicago town, 111., bonds, 
Albany & Susquehanna Railroad bonds, 
Atlantic & Gulf Railroad bonds, 
Atchinson,Topeka & Santa Fe Railroad bonds 
Burlington, Cedar Rapids & North'n R.R. bds. 
Boston, Hoosac Tunnel & Western R.R. bds 
Buffalo, Bradford & Pittsburgh R.R. bonds, 
Cedar Rapids, Iowa Falls & No. W. R.R. bds 
Chicago, Milwaukee & St. Paul R R. bonds, 
Chicago & Northwestern Railroad bonds, 
Chicago, St Paul, Minn & Omaha R.R. bonds 
Chicago & Western Indiana Railroad bonds, 
Chicago & Eastern Illinois Railroad bonds, 
Chicago & St. Louis Railroad bonds, 
Chicago, Rock Island & Pacific R.R. bonds, 
Chesapeake & Ohio Railroad bonds, 
Cincinnati, Lafayette & Chicago R.R bonds, 
Cincinnati, Sandusky & Cleveland R.R. bonds 
Cleve., Col , Cinn. & Indianapolis R.R. bonds 
Canadian Pacific Railroad bonds, 
Central R.R. & Banking Co. of Georgia bonds 
Central Railroad of New Jersey bonds, . 
Denver & Rio Grande Railroad bonds, 
Detroit, Bay City & Alpena Railroad bonds, 
Evansville & Indianapolis Railroad bonds, 
Evansville & Terre Haute Railroad bonds, 
East Tennessee, Virginia & Ga. R.R bonds, 
Flint & Pere Marquette Railroad bonds, . 
Fremont, Elkhorn & Missouri Valley R R. b'ds 
Indianapolis & St. Louis Railroad bonds, 
Iowa Midland Railroad bonds, 
Kalamazoo, Allegan & G. Rapids R.R. bonds 
Kansas City, St. Jo. & Council Bluff R.R. b'ds 



Book Value. 

$788,319 79 

300,000 00 

100,000 00 

108,707 70 

43,744 10 

30,000 00 

150,379 50 

99,773 80 

88,240 25 

46,250 00 

495,320 40 

, 185,955 00 

99,315 00 

55,200 00 

100,000 00 

465,264 00 

895,498 57 

41,928 80 

1,473,146 25 

168,382 50 

130,666 67 

73,195 20 

447,965 00 

734,279 59 

5,600,018 02 

1,194,664 16 

1,006,028 33 

275,545 50 

278,354 10 

243,125 00 

615,333 33 

187,359 10 

594,479 00 

1,304,782 60 

1,071,433 21 

1,036,666 67 

2,343,824 35 

710,388 33 

145,800 00 

676,074 00 

341,250 00 

488,332 83 

118,430 00 

1,059,941 00 

156,269 25 

61,071 11 

178,103 00 

160,167 00 



Market Value. 

$835,155 00 

294,000 00 

100,333 33 

98,666 67 

43,744 10 

32,850 00 

150,379 50 

99,773 80 

87,333 33 

65,000 00 

495,320 40 

185,955 00 

99,315 00 

56,550 00 

100,000 00 

447,750 00 

983,447 50 

41,145 00 

1,693,901 25 

185,507 50 

140,466 67 

66,300 00 

434,875 00 

761,602 50 

5,726,604 17 

1,254,750 00 

1,055,000 00 

289,555 00 

268,920 00 

253,750 00 

668,958 33 

176,965 83 

586,300 00 

1,515,520 00 

1,069 957 50 

933,766 67 

2,559,015 00 

744,943 33 

123,120 00 

726,040 00 

350,250 00 

495,741 67 

116,500 00 

1,097,145 00 

160,695 00 

59,000 00 

170,910 00 

167,300 00 



140 



LIFE INSURANCE COMPANIES [Dec. 31, 



Lake Shore & Michigan Southern R R. bonds 
Louisiana Western Railroad bonds, . 
Louisville & Frankfort Railroad bonds, . 
Lehigh Valley Railroad bonds, 
Mahoning Coal Railroad bonds, 
Metropolitan Elevated, New York, R.R. bonds 
Memphis & Charleston Railroad bonds, . 
Michigan Central Railroad bonds, . 
Minneapolis & St. Louis Railroad bonds, 
Minneapolis Union Railroad bonds, 
Morgan's La. & Texas R.R. & S.S. bonds, 
M o bile & Girard Railroad bonds, 
Midland Railroad of New Jersey bonds, . 
Missouri Pacific Railroad bonds, 
New York Elevated Railroad bonds, 
New York Central & Hudson R. R.R. bonds, 
New York <& Harlem Railroad bonds, 
New York, Lake Erie & Western R R. bonds 
New York, Ontario & Western R R. bonds, 
N. York, Lackawanna & Western R.R. bonds 
N. York, Susquehanna & Western R.R. bonds 
Nebraska Railway bonds, .... 
Nashville, Chattanooga & St. Louis R.R. bonds 
Northern Pacific Railroad bonds, 
Northern Pacific Terminal Railroad bonds, 
Northern Illinois Railroad bonds, . 
Northwestern Grand Trunk Railroad bonds, 
Ohio, Indiana & Western Railroad bonds, 
Peoria, Decatur & Evansville Railroad bonds 
Philadelphia & Reading Railroad bonds, . 
Philadelphia & Reading Car Trust bonds, 
Rensselaer & Saratoga Railroad bonds, . 
Rochester & Pittsburgh Railroad bonds, . 
South Carolina Railroad bonds, 
St Paul, Minneapolis & Manitoba R.R. bonds 
St. Paul & Northern Pacific R.R. bonds, . 
Savannah, Florida & Western RR. bonds, 
Taylors Falls & Lake Superior R.R. bonds, 
Texas & New Orleans Railroad bonds, 
Virginia & Tennessee Railroad bonds, 
West Shore Railroad bonds, 
Wheeling & Lake Erie Railroad bonds, 
American Safe Deposit Company- bonds, 
American Dock & Improvement Co. bonds, 
Chateaugay Ore & Iron Co , New York, bonds 
■p, el a ware & Hudson Canal Company bonds, 
" J uitable Gas Light Co., New York, bonds, 



Eqn. 



itable Gas Light Co., Baltimore, bonds, 



Book Value. 

$2,608,902 00 

314,280 00 

64,850 00 

2,826,958 34 
362,028 28 
319,099 69 
297,687 00 
57,296 67 
160,600 00 
510,900 00 
823,291 00 
155,152 50 
347,019 00 

1,087,100 00 
772,395 00 

1,012,602 81 

1,040,341 67 

2,352,280 70 
432,276 10 

1,600,849 32 

225,000 00 

53,570 00 

338,360 00 

1,232,464 83 

500,000 00 

706,090 00 

46,463 00 

308,010 00 

110,910 00 

233,636 67 

618,000 00 

9,519 92 

72,274 00 

189,050 00 

2,193,620 00 

1,259,214 00 

330,490 00 

212,037 00 

315,554 83 

65,691 00 

2,358,104 38 
380,960 00 
54,310 00 
380,309 45 
497,160 00 
319,640 24 
151,230 00 
219,460 03 



Market Value. 

$2,718,968 

315,000 00 

02,250 00 

2,927,000 00 

428,000 00 

864^36 00 

1,760 00 

59,916 67 

209,000 00 

548,250 00 

^Wh 00 

100,416 67 

368,000 00 

1,056,000 00 

779,385 00 

1,235,000 00 

1,198,333 33 

2,663,333 33 

473,760 00 

1,882,500 00 

253,750 00 

53,750 00 

359,625 00 

1,380,000 00 

527,500 00 

716,333 33 

44,100 00 

311,250 00 

111,740 00 

244,346 67 

612.850 00 

12,517 50 

75,075 00 

213,925 00 

2,261,000 00 

1,382,370 00 

319,500 00 

212,100 00 

303,045 83 

66,120 00 

2,422,500 00 

416,000 00 

54,310 00 

401,955 00 

497,160 00 

360,100 00 

145.550 00 

240,540 00 



1891.] 



OF OTHER STATES. 



141 



Madison Square Garden Co , Xew York, bds., 
New York Mutual Gas Light Co. bonds, . 
N.Y..L E. & Western Dock & Imp't Co bds., 
People's Gas Light Company, Chicago, bds., 
St. Paul, Minn., Gas Light Co., Chicago, bds., 
Western Transit Company bonds, . 
Western Union Telegraph Company bonds, 
Brazilian government bonds, . 
Fixed deposit with Italian government, . 
Fixed deposit with government of Victoria, 
Fixed deposit with governing of Xew Zealand 
Fixed deposit in Argentine Republic, 
Fixed deposit in New Zealand, 
Fixed deposit in New South Wales, 
Fixed deposit in Victoria, .... 
Fixed deposit in Japan, .... 
Fixed deposit in Chili, .... 
Fixed deposit in China, .... 
Fixed deposit in India, .... 

French rentes, 

Hungarian government bonds, 

Italian government bonds, 

Russian government bonds, 

Russian government, Southwestern R.R. bonds 

Swiss government bonds, .... 

Swedish government bonds, 

Wurtemburg government bonds, 

American Exchange Bank, Xew York, stock, 

Merchants' Bank, Xew York, stock, 

Bank of Republic, Xew York, stock, 

Bank of America, New York, stock, 

Central Xational Bank, New York, stock, 

Third Xational Bank, New York, stock, . 

Chicago & Northwestern Railroad stock, 

Delaware, Lackawanna & Western RR. stock 

Manhattan Safe Deposit Companj- stock, 

Xew York Security & Trust Co., X. Y., stock 

Valley Railroad stock, .... 



Hook Value. 

$744,000 00 

28,000 00 

1, .505,700 00 

568,375 00 

310,802 50 

90,405 00 

427,693 20 

107,125 84 

94,360 98 

24,332 50 

24,332 50 

20,680 26 

9,469 36 

314,580 78 

583,350 53 

8,861 89 

204,183 78 

44,876 46 

118,755 06 

19,093 63 

99,548 25 

3,416 35 

1,029,878 85 

5,572 63 

19,037 46 

89,924 50 

47,124 33 

10,025 00 

11,112 58 

907 50 

8,484 00 

329,280 00 

115,000 00 

1,438,389 58 

528,928 12 

100,000 00 

747,750 00 

502,500 00 



Market Value. 

§807,800 00 

27,720 00 

1,545,000 00 

621,225 00 

310,802 50 

90,405 00 

434,385 00 

70,150 00 

94,360 98 

24,332 50 

24,332 50 

20,680 26 

9,469 36 

314,580 78 

583,350 53 

8,861 89 

204,183 78 

44,876 46 

118,755 06 

18,979 02 

105,362 75 

3,349 59 

1,065,967 79 

4,956 67 

18,993 62 

88,824 33 

46,955 75 

15,000 00 

13,697 75 

1,826 00 

15,092 00 

342,314 00 

100,000 00 

1,598,950 00 

696,875 00 

100,000 00 

975,975 00 

537,500 00 



$73,578,274 02 $77,647,663 40 



142 



LIFE INSURANCE COMPANIES [Dec. 31, 



"NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY. 

MILWAUKEE, WIS. 

[Incorporated March, 1857. Commenced business Nov. 25, 1858.] 

H. L. Palmer, President. J. W. Skinner, Secretary. 

Income. 

New premiums without deductions, $2,094,384 88 

Renewal premiums, 7,83 v 

Premiums paid by surrendered policies, 178,817 "1 

Cash received for annuities, 6,330 48 

Total, $10,117,944 20 

Cash received for inter- 2,367 

as discount on endowments paid in advance, . 1 84 

for rents of company's property, . . 57,134 90 

Total income, $12,544,697 71 

Net or ledger assets Dec. 31, 1890, 40,780,211 

Total, $53,324,909 60 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used iu payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amouut paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies and additions, . 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiners fees and salaries, 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 



$2,271,610 50 

18,175 68 

490,698 20 

6,351 91 

-6,736 29 

66 40 

160,057 62 

6,975 74 
178,817 01 

951,244 01 
77,146 33 

$4,161,043 40 

1,496,265 66 

33,497 37 

116,786 30 

169,898 60 

133,1)54 67 

4,343 50 

5,250 01 



1891.] 



OF OTHER STATES. 



143 



Cash paid for furniture and office fixtures, 

for advertising, .... 

for incidentals, 

premiums on securities purchased, . 

Total disbursements, 

Balance, 



$1,854 29 

5,852 90 

267,479 69 

14,041 17 

. $6,409,367 56 

$46,915,542 04 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
Premium notes or loans on policies in force, . 
Par value of stocks and bonds owned (schedule A), 
Cash in office (and in transit, since received), 

Cash deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Suspense account, 



Ledger assets (as per balance), 



$1,026,880 04 

40,718,057 41 

546,319 88 

2,823,100 00 

333,736 42 

1,449,572 54 

250 00 

17,475 75 

150 00 

$46,915,542 04 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over par, , 
Uncollected premiums on policies in force, 
Deterred premiums on policies in force, . 



$465,813 00 
892,478 00 



$670,994 74 

8,058 76 

145,527 11 



Total, $1,358,291 00 

Deduct loading (20 per cent.) 271,658 20 

Net amount of uncollected and deferred prem's, 1,086,632 80 



Total assets per company's books, . 



$48,826,755 45 



Items not admitted. 

Agents 1 balances, 

Bills receivable, 

Suspense account, 

Total, - 

Total admitted assets, .... 
Deduct special deposits in other States, . 



$17,475 75 
250 00 
150 00 



17,875 75 

$48,808,879 70 
11,650 00 



Balance, 



$48,797,229 70 



144 LIFE INSURANCE COMPANIES [Dec. 31, 

Liabilities 

Computed premium reserve or net present value of all out- 

standing policies (actuaries 1 4 per cent.), . . . $40,548,70100 
Death losses and matured endowments in 

process of adjustment, $173,861 90 

Claims resisted by the company, . . . 20,175 00 

Total policy claims, 194,036 90 

Unpaid dividends of surplus due policy-holders, . . . 79,135 00 

Premiums paid in advance, 11,000 00 

Accrued commissions, 10,000 00 

Reserve for paid-up insurance claimable, etc., . . . 152,412 00 



Liabilities as to policy-holders, $40,995,284 90 

Deduct liabilities on special deposits, 11,650 00 



840,983,634 90 



Surplus due to Tontine stipulations (being only 
a part of the undivided surplus derived from 
Tontine and semi-Tontine policies), . . $3,265,788 34 

Surplus as regards other policy-holders, . . 4,547,806 46 

Gross surplus, 7,813,594 80 



Gross liabilities, $48,797,229 70 

Premium Xote Account. 

Premium notes on hand Dec. 31, 1890, . . $602,741 62 

Premium notes received during 1891, . . 66,328 13 

Total, $669,069 75 

Used in payment of losses and claims, . $24,527 59 
of surrendered policies and 

voided by lapse, . . 6,975 74 
of dividends to policy-hold- 
ers 77,146 33 

Redeemed by maker in cash, .... 14,100 21 

Total, 122,749 87 



Balance note assets Dec. 31, 1891, $546,319 88 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 79,389 $193,889,007 00 

Endowment, . . . 18,597 40,855,741 00 

All other, .... 539 4,164,059 00 

98,525 $238,908,807 00 

Policies issued during the Year. 

Whole life, . . . 20,879 $52,226,406 00 

Endowment, . . . 4,579 10,591,726 00 

All other, .... 477 1,787,250 00 

25,935 64,605,382 00 



1891.] 



OF OTHER STATES. 



145 



Whole life, 
Endowment, 
All other, . 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

Number. Amouut. Total No. Total Amount. 

374: 81,062,949 00 
87 180,746 00 
1 12,700 00 
462 $1,256,395 00 



Old Policies increased. 
12 
18 
9 $166,161 00 



39 



Additions by dividends, 



166,161 00 
2,528,659 00 



Total, 124,961 $307,465,404 00 



Policies terminated during the Year. 

W T hole life, . . . 9,081 $23,659,784 00 
Endowment, . . . 1,924 4,238,588 00 
All other, .... 428 3,892,279 00 





11,433 


$31,790,651 00 




How terminated. 


By death, . 


936 


$2,289,334 00 


maturity, 


276 


502,836 00 


expiry, . 


326 


3,459,365 00 


surrender, . 


837 


2,097,344 00 


lapse, . 


6,097 


14,082,224 00 


change and decrease, 


- 


584,126 00 


Not taken, 


2,961 


8,775,422 00 



11,433 31,790,651 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, IS 91. 
. 91,573 $223,616,969 00 
. 21,357 47,457,902 00 
598 4,599,882 00 
113,528 $275,674,753 00' 



Schedule A. 

Stocks and Bonds owned by the Company. 

Par Value. 

United States bonds, $110,000 00 



Minnesota State bonds, 
Kansas City, Mo., bonds, 
Sheboygan city bonds, 
Beloit city bonds, 
Milwaukee city bonds, 



53,000 00 
75,000 00 
50,000 00 
49,500 00 



Market Value.-. 

$129,835 00' 
54,192 50 
83,683 33 
50,833 33 
51,700 00 



1,185,000 00 1,208,355 00 



146 



LIFE INSURANCE COMPANIES [Dec. 31, 



Omaha city bonds, . 
Springfield, 111., city bonds, 
Stevens Point, Wis , city bonds, 
Carlinville, 111., city bonds, 
Morrison, 111., city bonds, . 
Alton, 111., city bonds, 
Wyandotte, Kan , city bonds, . 
Dubuque, Iowa, county bonds, . 
Albion, Mich., city bonds, 
Kearney, Neb., city bonds, 
Colorado Springs, Col , city bonds, 
Elhvood, 111 , town bonds, 
Chippewa, Wis , county bonds, 
Buffalo, Wis., county bonds, 
Mercer, Ohio, county bonds, 
Pickaway, Ohio, county bonds, 
Muskingum, Ohio, county bonds, 
Milwaukee, Wis., county bonds, 
Reno, Kan , county bonds, 
Marion, Kan., county bonds, 
Adams, Xeb., county bonds, 
Gage, Neb , county bonds, 
Washington, Xeb., county bonds, 
Boone, Xeb., county bonds, 
Saunders, Xeb , county bonds, 
Dallas, Texas, county bonds, 
Dodge, Xeb., county bonds, 



Par Value. 

£3 11,000 00 
12,700 00 
2,000 00 
2,000 00 
2,000 00 
10,0'JO 00 
94,000 00 
48,400 00 
5",000 00 
17,000 00 
51,000 00 
16,500 00 
15,000 00 
15,000 00 
67,000 00 
02,000 00 
50,000 00 
43,000 00 
50. 

43,000 00 
40,000 00 
48,000 00 
50,( 00 00 
20,000 00 
6,000 00 
125,000 00 
50,000 00 



Market Value. 

$328,855 00 

13,292 67 

2,093 33 

2,030 00 

2,090 00 

11,433 33 

101,050 00 

50,174 67 

52,000 00 

00 

54,570 00 

17,428 12 

15,150 00 

16,275 00 

71,690 00 

67,58 > 00 

52,250 00 

44,720 00 

57,750 00 

47,264 16 

42,200 00 

49,960 00 

-.125 00 

25,200 00 

.0 00 

132,916 67 

52,250 00 



$2,823,100 00 0- "11 



"THE PEXX MUTUAL LIFE INSURANCE COMPANY," 

PHILADELPHIA, PA. 

[Incorporated Feb. 24, 1S47. Commenced business May 25, 1347.] 

Edward M. Xeedles, President. Henry C. Brown, Secretary. 

Income. 

Xew premiums without deductions, $1,021,491 15 

Renewal premiums, 3,044,164 23 

Cash received for annuities, 11,819 50 

Total £4,077,474 88 

Deduct amount paid for re-insurance, 2,881 69 



Total premium income, 



. §4,074.593 19 



1891.] 



OF OTHER STATES. 



147 



Cash received for interest, .... 
Cash received for rents of company's property, 



. $895,784 14 
31,131 01 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



. $5,001,508 34 
. 15,932,328 72 

$20,933,837 06 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, . 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash dividends paid policy-holders, $8,1 89.61 ; applied in pay 

ment of premiums, $586,405.51, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising and printing, .... 

for incidentals, 



Total disbursements, 
Balance, 



$1,112,358 72 

23,840 59 

195,873 13 

3,844 87 

$1,335,917 31 
3,000 00 

$1,332,917 31 

1,460 52 

286,520 57 

29,369 00 

594,595 12 
67,180 45 

$2,312,042 97 

451,473 33 

144 ,644 18 

50,534 38 

90,878 30 

120,546 03 

25,378 05 

3,725 41 

36,209 11 

51,527 49 

. $3,286,959 25 

$17,646,877 81 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, $954,040 95 

Loans on mortgage of real estate (first liens), . . . 6,964,889 14 

on collateral security (schedule A), .... 2,014,100 00 

on company's policies assigned as collateral, . . 694,312 00 



148 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, .... 

deposited in bank, .... 

deposited with treasurer of Mississippi, 
Bills receivable, secured, .... 
Agents 1 ledger balances secured, 
Sundry accounts, 



Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent.), . 

Net ain't of uncollected and deferred prern's, 

Total assets per company's books, . 



$577,893 24 

5,928,830 78 

6,207 27 

367,200 00 

20,000 00 

100,044 89 

9,359 54 

10,000 00 



$17,646,877 81 



$152,301 81 

1,766 49 

175,257 22 



$362,494 59 
356,486 62 

$718,981 21 
143,796 24 



575,184 97 
$18,551,388 30 



Items not admitted. 

Loans in excess of market value, . . . $14,069 00 

Sundry accounts, 10,000 00 

Total, 



24,069 00 



Total admitted assets, 
Deduct special deposits in other States, 



Balance, 



$18,527,319 30 
37,625 00 

$18,489,694 30 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent), . . . $16,009,298 00 
Deduct net value of re-insured risks, 60,307 00 



Net re-insurance reserve, $15,948,991 00 

Death losses and matured endowments in process of adjust- 
ment, 95,-?92 00 

Unpaid dividends of surplus due policy-holders, . . . 53,184 25 

Life rate endowment fund, 451,584 92 

Premiums paid in advance, 6,872 92 

Outstanding scrip, 8,630 00 



Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



$16,564,555 09 
15,305 00 



$16,549,250 09 



1891.] OF OTHER STATES. 149 

Surplus as regards special policy-holders, . $169,981 18 
Surplus as regards other policy-holders, . . 1,770,463 03 

Gross surplus, $1,940,444 21 

Gross liabilities, $18,489,694 30 

Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . $557,618 62 

Premium notes received during 1891, . . 153,249 85 

Total $710,868 47 

Used in payment of losses and claims, . . $27,685 46 
of surrendered policies and 

voided by lapse, . . 29,369 00 
of dividends to policy-hold- 
ers, 67,180 45 

Redeemed by maker in cash, .... 8,740 32 

Total, 132,975 23 



Balance note assets Dec. 31, 1891, $577,893 24 

Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 23,135 $62,526,561 00 
Endowment, . . . 11,207 24,896,729 00 
All other, .... 1,003 2,504,939 00 
Reversionary additions, . - 350,472 00 

35,345 $90,278,701 00 

Policies issued during the Year. 
Whole life, . . . 5,306 $16,280,863 00 
Endowment, . . . 2,431 6,483,279 00 
Allother, .... 431 1,262,40000 

8,168 24,026,542 00 



Old Policies revived. 
Whole life, ... 171 $342,124 00 
Endowment, . . . 238 187,606 00 

All other, .... 367 891,812 00 



776 1,421,542 00 



Old Policies changed and increased. 
Whole life, ... 26 $95,515 00 

Endowment, ... 7 43,990 00 

All other, .... 6 29,076 00 

39 168,581 00 

Additions by dividends, - 96,116 00 



Total, 44,328 $115,991,482 00 



150 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies terminated during the Year. 





X umber. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 2,805 


$7,732,218 00 




Endowment, 


. 1,373 


3,350,672 00 




All other, . 


427 


1,127,245 00 




Reversions, 


• ~~ 


27,826 00 






4,605 


$12,237,961 00 






How terminated 




By death, . 


425 


$1,104,268 00 




maturity, 


85 


199,718 00 




expiry, . 


134 


344,500 00 




surrender, 


702 


1,597,946 00 




lapse, . 


. 2,131 


5,177,638 00 




change and deerea 


se, . 39 


513,241 00 




Not taken, . 


. 1,089 


3,300,650 00 








4,605 


812,237,961 00 



Policies in force Bee. 31, 1891. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



25,833 $71,512,845 00 

12,510 28,260,932 00 

1,380 3,560,094 00 

419,650 00 



39,723 103,753,521 00 



Schedule A. 
Securities held as Collateral. 



Paid-up policy, etc., 

Northern Central Railroad bonds, . 
City Water Co. of Austin, Texas, bonds, . 
Austin (T.) Water, Light & Power Co. bonds 
Hudson Riv. Water Power & Paper Co bonds 
Life insurance policies, .... 
500 shares stock Minn Title Ins. & Trust Co. 
Roanoke & Southern Railroad bonds, 
Lynchburg & Durham Railroad bonds, . 
Marietta & North Georgia Railroad bonds, 
100 shares Press Co (Phila.) limited, 
Atlantic Coast, St. John & Ind Riv. R.R. bonds 
Jacksonville, Tampa & Key West R R bonds 
Hot Springs (Ark ) Water Company bonds, 
Abilene (Kan.) Water & Elect. L't Co. bonds 
Charleston, Cinn & Chicago Railroad bonds 
Phoenix Iron Company bonds, . 
Jacksonville, Tampa & Key West R.R. bonds 
Cape Fear & Yadkin Valley Railroad bonds, 



Market Value. 

$4,831 00 

1,100 00 

2,000 00 

156,000 00 

15,000 00 

2,051 00 

50,000 00 

127,500 00 

177,000 00 

39,600 00 

10,000 00 

202,500 00 

36,900 00 

22,500 00 

67,000 00 

60,000 00 

70,000 00 

2,000 00 

64,000 00 



Amount Loaned. 

$5,000 00 
2,800 00 

40,000 00 
15,000 00 

36,000 00 
100,000 00 
118,000 00 

53,500 00 
6,300 00 

119,000 00 

15,000 00 
60,000 00 
60,000 00 
65,000 00 
1,-000 00 
50,000 00 



1891.] 



OF OTHER STATES. 



151 



Kansas Water & Light Co., Paola, Kan , bonds 
Scioto Water Co., Marion, Ohio, bonds, . 
Santa Cruz, California, Water Compan}' bonds, 
Crawfordsville (Ind ) Water & L't Co. bonds 
New York & Mount Vernon Water Co. bonds 
United Terminal Railway Company bonds, 
Cape Girardeau So West. Railroad Co. bonds 
School Dist No 5, Morton Co., Kansas, bonds 
Assignments of mortgages, 
Huntingdon (Penn.) Water Company bonds, 
National Water Works Company bonds,. 
Sioux City Street Railway Co. bonds, 
Hutch'son (Kan.) Water, L't & Power Co. b'ds 
496 shares Hutchinson (Kan ) Street R'y, 
Hutch'son (Kan.) Water, L't & Power Co. b'ds 
4,800 sh'es Hutch'son (K.) Water, L't & Fr Co 
Life insurance policy, .... 
South Bound Railroad bonds, . 
Zanesville & Ohio River Railway bonds, 
Lincoln (Neb.) Gas Company bonds, 
Toledo (Ohio) Electric Street Railway bonds 
Saw, Americus & Montgomery Railway bonds 
Albany, Florida & Northern Railroad bonds, 
Mortgages assigned, .... 



J 



Market Value. Amount Loaned. 

$9,000 00 

4,500 00 

8,100 00 | 

10,800 00 I 

20,700 00 [ $50,000 00 

9,000 00 

9.000 00 

2,700 00 

12,000 00 

24,000 00 

22,500 00 

55,000 00 

67,500 00 

50,000 00 

132,300 00 

50,000 00 

10,524 00 

120,000 00 

90,000 00 

135,000 00 

19,000 00 

170,000 00 

37,500 00 

557,500 00 



15/00 00 
10,000 00 
50,000 00 

83,000 00 

80,000 00 

16,000 00 

75,000 00 
90,000 00 
75,000 00 
16,000 00 

150,000 00 
557,500 00 



$2,736,606 00 $2,014,100 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Par Value. Market Value. 

United States bonds, $115,000 00 $135,125 00 

Pennsylvania Railroad bonds, .... 206,000 00 249,800 00 

Pennsylvania Equipment Trust certificates, . 100,000 00 95,000 00 

American Steamship Company bonds, . . 25,000 00 26,500 00 

Northern Central Railway bonds. . . . 110,000 00 121,000 00 

North Pennsylvania Railroad bonds, . . 100,000 00 128,000 00 

Philadelphia & Reading Railroad bonds, . 189,000 00 193,500 00 

Northeast Pennsylvania Railroad bonds, . 126,000 00 123,480 00 

Carthage & Adirondack, N. Y., Railway bonds, 63,000 00 46,500 00 

Poughkeepsie Bridge Company, N. Y., bonds, 100,000 00 56,000 00 

Dutchess County Railroad bonds, . . . 15,000 00 15,000 00 

Northwestern N. C. Railroad bonds, . . 105,000 00 91,350 00 

East Tenn., Va & Ga. & Rich. & Dan. R,R. bds , 100,000 00 72,000 00 

Marietta & North Georgia Railway bonds, . 105,000 00 63,000 00 

Norfolk & Western Railroad bonds, . . 100,000 00 95,000 00 

Columbus & Cincinnati, O , bonds, . . . 150,000 00 142,500 00 

Ohio River Railroad bonds, .... 100,000 00 96,000 00 

Toledo Belt Railway bonds, .... 127,000 00 129,540 00 



152 



LIFE INSURANCE COMPANIES [Dec. 31, 



Toledo, O., Electric Street Railway bonds, 

Toledo & Ohio Central Railroad bonds, . 

Grand Rapids & Indiana Railroad bonds, 

Terre Haute & Logansport, Ind., R R. bonds, 

Chicago & West Michigan Railway bonds, 

Jacksonville, Louisville & St. Louis R'y bonds 

Venice & Carondelet Railway bonds, 

Sioux City, la., Terminal Railroad bonds, 

Minneapolis & St. Louis Railroad bonds, 

Minneapolis & Duluth Railroad bonds, . 

United Security Life Ins. & Trust Co. bonds, 

Chester, Pa., bonds, .... 

Duquesne Club, Pittsburgh, Pa , bonds, 

Salem, N. J., bonds, . 

Winston Township, N. C, bonds, 

Durham, N. C, bonds, 

City of Fernandina, Fla., bonds, 

Xenia City, O., bonds, 

Piqua City, O., school-house bonds, 

Findlay, O., bonds, . 

Mt. Vernon, O., bonds, 

Ravenna, O., bonds, . 

City of Lima, O., bonds, . 

Louisville, Ky., city bonds, 

Evansville, Ind., bonds, 

St Joseph, Mo., bonds, 

Atchison, Kan , bonds, 

City & Township of Independence, Kan., bds 

County of Saline, Kan , bonds, 

Duluth, Minn., Board of Trade bonds, 

Lincoln City. Neb , bonds, 

Nebraska City, Neb., bonds, 

Hastings, Neb., bonds, 

City of Beatrice, Neb , bonds, . 

Com Club of city of Ft. Worth, Tex., bds., 

National Water Works Investment Co. bds., 

National Water Works Co. of N. Y. bonds, 

Hudson River Water Power & Paper Co bds 

Jamestown, N. Y., Water Supply Co bonds, 

Jamestown, N. Y , Gas Company bonds, . 

Chillicothe, O., Gas & Water Company bonds 

Hamilton & Rossville, O., Hyd. Co. bonds, 

St. Jo., Mo., Water Company bonds, 

Joplin, Mo., Water Company bonds, 

Hot Springs, Ark , Water Company bonds, 

Union Stock Yard Co. of Sioux City, la., bds. 

Burlington, la., Water Company bonds, . 

Booneville, Mo., Water Company bonds, 



Par Valne. 

$100,000 00 

125,000 00 

100,000 00 

100,000 00 

100,000 00 

53,000 00 

200,000 00 

150,000 00 

100,000 00 

50,000 00 

50,000 00 

100.000 00 

104,000 00 

60,000 00 

65,000 00 

70,000 00 

40,000 00 

68,000 00 

12,000 00 

75,000 00 

22,000 00 

60,000 00 

150,000 00 

50,000 00 

45,000 00 

100,000 00 

75,000 00 

48,200 00 

84,000 00 

4U,000 00 

40,000 00 

100,000 00 

100,000 00 

70,000 00 

20,000 00 

100,- 00 00 

100,000 00 

50,000 CO 

150,000 00 

45,000 00 

83,500 00 

50,000 00 

100,000 00 

75,000 00 

100,000 00 

90,000 00 

57,000 00 

50,000 00 



Market Value. 

$92,500 00 

110,250 00 

80,0d0 00 

108,000 00 

95,000 00 

47,700 00 

•200,000 00 

150,000 00 

108,000 00 

54,000' 00 

50,000 00 

110,000 00 

105,040 00 

64,200 00 

66,950 00 

72,100 00 

40,000 00 

70,990 00 

12,300 00 

77.250 00 

22.0GO 00 

63,000 00 

150,000 00 

60,000 00 

44,100 00 

112,000 00 

61,500 00 

.128 00 

86,520 00 

40,200 00 

42,000 00 

103,000 00 

101,000 00 

70,700 00 

20,800 00 

98,000 00 

.000 00 

51,500 00 

154,500 00 

45,000 00 

84.335 00 

50,500 00 

105,0o0 00 

78,750 00 

102,000 00 

92 700 00 

60,420 00 

49,000 00 



1891.] 



OF OTHER STATES. 



153 



Champaign & Urbana,Ill., W. & E. L. Co. bds , 
Freeport, 111 , Water Company bonds, 
Austin, Tex., Water Company bonds, 
500 shares Delaware Insurance Co , Phila., 
100 " Western National Bank, Phila., 
76 " Bank of North America, Penn., 
50 " Girard National Bank, Penn., . 



Par Valne. 

$100,000 00 

107,000 00 

130,000 00 

12,500 00 

5,000 00 

7,600 00 

2,000 00 



Market Value. 

$97,500 00 

110,210 00 

130,000 00 

20,000 00 

10,400 00 

25,080 00 

5,050 00 



$6,076,800 00 $6,104,088 00 



"PROVIDENT LIFE AND TRUST COMPANY OF PHILADELPHIA, 1 ' 

PHILADELPHIA, PA. 

[Incorporated March 22, 1865. Commenced business June, 1865.] 
Paid-up Capital, $1,000,000. 

Samuel R. Shipley, President. Asa S. Wing, Vice.-Pres. and Actuary. 



Income. 

New premiums without deductions, .... 

Renewal premiums, 

Premiums paid by dividends and surrendered policies, 
Cash received for annuities, 



Total 

Cash received for interest, 

for rents of company's property, 
for profits on bonds or stocks sold, . 
on investments of capital,* 

Total income, 

Net or ledger assets Dec. 31, 1890, . . . . 



Total. 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 



$412,000 00 

2,506,499 55 

394,101 50 

13,385 12 

$3,325,986 17 

879,831 96 

22,218 01 

8,429 27 

46,370 00 

$4,282,835 41 
17,633,733 57 

$21,916,568 98 



$605,527 00 
341,678 00 



$947,205 00 



* The charter, besides authority to transact a life insurance business, confer* also authority to 
act as administrator, executor, etc., to transact what is known as a trust business. The relations 
of the two departments of the business are fixed by the provisions of the charter. The accounts 
are kept entirely distinct and separate. The entire surplus in the insurance department accumu- 
lates for the benefit of the policy-holders. The only advantage, direct or indirect, which the 
stockholders can at any time have from the union of the two features of the business results from 
the fact that the management of the trust business, from which they derive their profits, is done 
for them without charge. This includes the interest on the capital. 



154 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered poli 

cies, and voided by lapse, 

Cash dividends paid policy-holders, applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for dividends to stockholders,* 

for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, . .... 



822,778 18 
172,367 56 

172 20 

394,101 50 
3,638 54 

$1,510,262 98 

46,370 00 

283,252 43 

23,448 73 

19,487 61 

112,748 75 

49,911 86 

9,708 18 

4,091 29 

11,098 15 

57,787 50 



Total disbursements, $2,158,767 48 



Balance, 

Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office and in bank, 

Ledger assets (as per balance), 

Other Assets. 



$19,757,801 50 



$1,168,796 74 

8,828,787 81 

1,919,891 40 

1,143,268 10 

26,322 05 

6,603,157 50 

67,577 90 

$19,757,801 50 



Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, . 

Total assets per company's books, . 



$204,640 82 

4,409 29 

279,272 50 



$234,777 92 
506,772 19 

$741,550 11 
148,310 02 



- 593,240 09 
£20,839,364 20 



* See note, page 153. 



1891.] OF OTHER STATES. 155 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries 1 4 per cent ), . . . $17,779,072 00 
Death losses and matured endowments in proc- 
ess of adjustment, $28,095 00 

Due and unpaid on annuity claims, . . . 844 80 

Total policy claims, 28,939 80 

Unpaid dividends of surplus due policy-holders, . . . 26,333 04 

Premiums paid in advance, 77,790 71 

Miscellaneous, 66,411 60 

Liabilities as to policy-holders, $17,978,547 15 

Surplus as regards policy-holders, . . . $2,860,817 05 

Paid-up capital, 1,000,000 00 

Surplus over capital, 1,860,817 05 

Gross liabilities, $20,839,364 20 

Premium Note Account. 

Premium notes on hand Dec. 31, 1890, . . $32,045 51 

Premium notes received during 1891, . . 2,887 32 

Total, $34,932 83 

Used in payment of surrendered policies and 

voided by lapse, $172 20 

Used in payment of dividends to policy-holders, 3,638 54 

Redeemed by maker in cash, .... 4,800 04 

Total, 8,610 78 

Balance note assets Dec. 31, 1891, $26,322 05 

Exhibit of Policies. 
Policies and Additions in force Dec, 31, 1S90. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 2,334 $7,936,035 00 
Endowment, . . . 22,883 68,947,040 00 
All other, .... 410 1,832,450 00 
Reversionary additions, . - 559,420 00 

25,627 $79,274,945 00 

Policies issued during the Year. 

Whole life, . . . 294 $1,107,982 00 
Endowment, . . . 2,676 7,338,289 00 
All other, .... 1,028 4,693,050 00 

3,998 13,139,321 00 

Old Policies revived. 
Whole life, ... 6 $32,000 00 

Endowment, ... Ill 398,500 00 

All other, .... 3 5,909 00 

120 436,409 00 



156 



LIFE INSURANCE COMPANIES [Dec. 31, 



Old Policies changed and increased. 



Number. 

7 

124 

8 


Amount. 

$37,500 00 

420,467 00 

57,000 00 


Total No. 

139 


Total Amount. 

$514,967 00 
120,598 00 


• • 


. 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, . 



Total, 29,884 $93,486,240 00 



Policies terminated during the Year. 

Whole life, ... 216 $857,390 00 

Endowment, . . .1,831 5,485,153 00 

All other, .... 266 1,242,200 00 

Reversionary additions, . - 50,125 00 





2,313 


$7,634,868 00 




How terminated. 


By death, .... 


211 


$617,039 00 


maturity, 


130 


341,678 00 


expiry,. 


1 


1,200 00 


surrender, . 


575 


1,879,808 00 


lapse, . . . . 


1,195 


3,825,903 00 


change and decrease, . 


139 


750,740 00 


Not taken, . . . . 


62 


218,500 00 



2,313 7,634,868 00 



Policies in force Dec. 31, 1891. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



2,425 $8,256,127 00 

23,963 71,619,143 00 

1,183 5,345,800 00 

630,302 00 



27,571 $85,851,372 00 



Schedule A. 
Securities held as Collateral. 



200 shares Philadelphia Traction Company, 
50 " Metropolitan Traction Company, 
100 " Baltimore Traction Company, 
219 " The Mortgage Trust Co. of Penn , 
Philadelphia & Reading Railroad bonds, 
Beech Creek Railroad bonds, . 
1000 shares The United Gas Improvement Co 
The United Gas Improvement Co bonds, 
Philadelphia & Reading Railroad bonds, 
17 shares Pennsylvania Railroad, . 



Market Value. 

$12,600 00 
3,950 00 
1,700 00. 
27,375 00 
53,000 00 
24,250 00 
52,000 00- 
10,200 00 
85,500 00. 
969 00 



Loaned Thereon. 

• $15,689 55 

22,000 00 
49,131 95 

125,000 00 
700 00 



1891.] 



OF OTHER STATES. 



157 



3 shares Penn. Salt Manufacturing Co., . 
16 " Mine Hill & Schuylkill Haven R R 
40 " Little Schuylkill Nav. and R.R. Co. 
42 " Insurance Company of N. America 
71 " Lehigh Coal & Navigation Co , 
78 " Pennsylvania Railroad, 
Lehigh Coal & Navigation Company loan, 
100 shares St. Paul & Duluth Railroad, . 
Union Passenger Railway bonds, 
80 shares Germantown Passenger Railway, 
40 shares Pennsylvania Railroad, 
Leavenworth County, Kan., bonds, 
Miami County, Kan., bonds, 
Clifton Township, Kan , bonds, 
Sheridan Township, Kan., bonds, 
Lawrence Township, Kan., bonds, 
Neosbo Township, Kan , bonds, 
Osage County bonds, 
Mill Creek Township bonds, . 
Jackson County bonds, 
Real estate mortgages, 
Northern Pacific R.R. & Land Grant bonds, 
900 shares Union Pacific, Denver & Gulf R R 
100 " Lake Erie & Western Railroad, 
800 " Philadelphia & Reading Railroad, 
100 " Rich. & West Pt Terminal R R., 
Philadelphia & Reading Railroad bonds, . 
Union Pacific, Denver & Gulf R.R. bonds, 
Northern Pacific Railroad bonds, 
300 shares Louis , New Albany & Chic. R R 
300 " Colorado Coal & Iron Company, 
1000 " Pennsylvania Railroad Company 
500 " Peoria, Deca. & Evans. R.R. Co., 
200 " Wabash Railroad, . 
200 " H. & Bd. Top Mt. R.R. & CI Co , 
60 " Commonwealth Title & Trust Co 
200 " Tole , Ann Arbor & N. Mich. R.R 
270 " Rich. & W. Pt. R.R. & W'se Co., 
100 " Western Union Telegraph Co., 
100 " Missouri Pacific Railway Co., 
300 " Philadelphia & Reading R.R , 
100 " Un Pacific, Den. & Gulf R.R. Co 
200 " Laclede Gas Light Company, 
100 " Colorado Coal & Iron Company, 
Philadelphia & Reading Railroad bonds, . 
Western New York & Penn. Railroad bonds, 
Western New York & Penn. Railroad bonds, 
Baltimore & Ohio Southwestern R.R. bonds, 



Market Value. 

$309 00 
1,104 00 
2,700 00 
1,092 00 } 
3,479 00 
4,446 00 

708 00 J 
10,450 00 
3,150 00 
7,920 00 
2,280 00 
1,500 001 
1,000 00 
1,000 00 
2,000 00 
5,000 00 
1,000 00 
2,000 00 
1,000 00 
5,000 00 

8,000 oo ; 

2,360 00 

18,400 001 

2,150 00 

15,800 00 

5,700 00 

5,720 00 

11,100 00 

3,975 00 

7,350 00 

11,000 00 J 

57,000 00 ^ 

10,750 00 

6,200 00 

5,400 00 

3,840 00 

4,500 00 

3,645 00 

8,450 00 [ 

6,200 00 

5,925 00 

2,250 00 

4,000 00 

3,650 00 

3,040 00 

2,040 00 

30,600 00 

14,000 00 



Loaned Thereon. 



$3,741 67 



17,000 00 
500 00 



J. 24,000 00 



2,000 00 



60,000 00 



100,000 00 



28,000 00 



158 



LIFE INSURANCE COMPANIES [Dec. 31, 



80 shares Insur. Company of N. America, 
71 " Philadelphia & Trenton R R. Co 
900 " Lehigh Coal & Navigation Co., 
50 " Mortgage Trust Co of Penn., 
3800 " Philadelphia & Reading Railroad 
Philadelphia & Reading Railroad bonds,. 
60 shares Columbia Avenue Safe Deposit Co. 
200 shares Investment Co. of Philadelphia, 
Philadelphia & Reading Coal & Iron Co , 
144 shares The United Gas Improvement Co. 
Car Trust of New York, .... 
Chicago & Northern Pacific Railroad bonds, 
Consumers' Gas Company bonds, 
50 shares Guarantee Trust and Safe Dep. Co. 
Missouri, Kansas & Texas Railroad bonds, 
Atchison, Topeka & Santa Fe Railroad bonds 
Mortgage Trust Company of Penn. bonds, 
1700 shares Pittsburgh Traction Company, 
300 " Philadelphia Traction Company, 
200 " The United Gas Improvement Co 
500 " Baltimore Traction Company, 
25 " Pennsylvania Railroad Company 
8 " Ridge Avenue Passenger Railway 
85 " Lombard & S. Streets Pass. Ry, 
1000 " Knickerbocker Ice Company, 
500 u Philadelphia Traction Company, 
3619 " Philadelphia Traction Company, 
Philadelphia & Reading Railroad bonds, . 
200 shares Wabash Railroad, . 
100 " Philadelphia & Erie Railroad, 
50 " Camden & Atlantic Railroad, . 
Union Pacific, Denver & Gulf R.R. bonds, 
100 shares The United Gas Improvement Co 
500 " Bethlehem Iron Company, 
100 " Phila. Trust, Safe Dep. & In. Co., 

9 " Lehigh Valley Railroad Company 
73 " Cambria Iron Company, . 
700 " Metropolitan Traction Company, 

24 " Westmoreland Coal Company, 
Ashtabula & Pittsburgh Railroad bonds, . 
Grand Rapids & Indiana Railroad bonds, 
12800 shares Philadelphia & Reading Railroad 
200 M Fidel. In., Trust & Safe Dep. Co 
1000 " The United Gas Improve Co , 

150 " The Philadelphia Wareh'se Co , 
4000 " East Pennsylvania Railroad, 
900 " Mine Hill & Schuyl. Hav.R.R. Co. 
Philadelphia & Reading Railroad bonds, . 



Market Value. 

$2,080 00 
15,833 00 
44,100 00 
6,500 00 
75,050 001 
16,580 00 
6,780 00 
4,600 00 
4,000 00 \ 
7,488 00 
3,600 00 
790 00 
1,620 00 J 
12,500 00 
7,900 00 
3,275 00 
3,000 00 
79,900 00 
21,300 00 
10,400 00 
8,500 00 
1,425 00 
1,600 00 
5,525 00 
50,000 00 
35,500 00 
256,949 00 
6,450 00 1 
6,200 00 " 
3,400 00 
1,250 00 J 
7,400 00 
5,200 00 
36,500 00 
44,000 00 
450 00 
5,256 00 
55,300 00 
1,608 00 
1,100 00 ) 
3,200 00 S 
252,800 00 ) 
80,000 00 S 
52,000 00 I 
17,250 00 
214,000 00 
62,100 00 
149,625 00 



Loaned Thereon. 

1700 00 
1,800 00 

18,000 00 



100,000 00 



10,000 00 
4,000 00 

2,000 00 
50,000 00 

31,000 00 

2,500 00 

4,250 00 

63,758 68 

176,386 25 

j> 12,000 00 

6,500 00 

5,000 00 

24,526 38 

10,000 00 

360 00 

2,600 00 

12,000 00 

900 00 

3,400 00 
195,166 67 



} 



68,631 11 



375,000 00 



1891.] 



OF OTHER STATES. 



159 



1250 shares Lehigh Valley Railroad, 
Perkiomen Railroad bonds, 
Texas & Pacific Railway bonds, 
68 shares Mortgage Trust Company of Penn., 
Philadelphia & Reading Railroad bonds, 
50 shares Westmoreland Coal Company, 
Philadelphia & Reading Railroad bonds, 
100 shares E. P. Wilbur Trust Company, 
717 shares Bethlehem Iron Company, 
Clearfield & Jefferson Railroad bonds, 
Union Pacific, Denver & Gulf Railroad bonds 
Lehigh Coal & Navigation Company bonds, 
Bond of Morris Tasker & Company, 
Texas & Pacific Railroad bonds, 
1954 shares The United Gas Improve. Co , 

500 " Bethlehem Iron Company, . 

481 " W T est Jersey Railroad Company, 
Lehigh Valley Railroad bonds, 
Pennsylvania Canal Company bonds, 
St. Paul & Northern Pacific Railroad bonds, 



Schedule B. 



Market Value. 

$61,875 00 

1,025 00 

1,160 00 

8,840 00 

8,550 00 

3,350 00 

2,000 00 

10,000 00 

52,341 00 

5,925 00 

8,940 00 

2,520 00 

57,777 78 

20,040 00 

101,608 00 

36,500 00 

27,417 00 

2,520 00 

1,950 00 

1,180 00. 



Loaned Thereon. 

$49,029 87 

500 00 

500 00 

6,800 00 

10,000 00 

1,600 00 

45,000 00 

5,000 00 
7,000 00 
2,000 00 
20,000 00 
16,000 00 
75,000 00 
24,475 00 
24,544 27 

4,200 00 



$2,699,129 78 $1,919,891 40 



Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Philadelphia & Reading Railroad bonds, . $213,750*00 $213,750 00 

Penn. & New York Canal & R R. loan, . . 242,500 00 242,500 00 

Atlantic City Railroad bonds, .... 102,000 00 102,000 00 

Lehigh Valley Railroad bonds, . . . 85,850 00 85,850 00 

Richmond & Danville R.R. bonds, . . . 108,640 00 108,640 00 

Central Railroad, N. J., bonds, . . . 55,000 00 55,000 00 

Central National Bank of Phila stock, . . 114,000 00 114,000 00 

Western New York & Penn R R. bonds, . 61,380 00 61,380 00 

Philadelphia & Erie Railroad bonds, . . 16,880 00 16,880 00 

Lehigh Valley Railroad bonds, . . . 353,500 00 441,110 00 

Easton & Am boy Railroad bonds, . . . 22ti,000 00 237,600 00 

Lehigh Coal and Navigation Co. bonds, . . 96,000 00 100,000 00 

Baltimore & Ohio Railroad bonds, . . . 150,000 00 150,000 00 

Northern Pacific Railroad bonds, . . . 70,000 00 82,600 00 

City of Louisville, Ky , bonds, .... 250,000 00 250,000 00 

Lehigh & Wilkesbarre Coal Co. bonds, . . 11,000 00 11,000 00 

Pennsylvania Railroad bonds, .... 265,000 00 313,300 00 

Northern Central Railway bonds, . . . 268,000 00 289,440 00 

Kentucky and Indiana Bridge Co. bonds, . 61,600 00 64,000 00 

Philadelphia & Baltimore Central RR. bonds, 110,000 00 115,500 00 

Texas & Pacific Railway bonds, . . . 111,000 00 111,000 00 

North Pennsylvania Railroad bonds, . . 271,000 00 298,100 00 



160 



LIFE INSURANCE COMPANIES [Dec. 31, 



Catasauqua & Fogelsville Railroad bonds, 

Belt Railroad & Stock Yard Co. bonds, . 

Missouri Pacific Railroad bonds, 

Oregon & Pacific Railroad bonds, . 

Verdigris Valley, Ind. & Western R.R. bonds 

Central Railroad, New Jersey, bonds, 

City of Richmond, Virginia, loan, . 

West Philadelphia Passenger R'y bonds, 

Lynchburg, Virginia, bonds, . 

Gloucester Ferry Company bonds, . 

Texas & Pacific Railway bonds, 

New York, Lake Erie & Western R.R. bonds 

Philadelphia & Reading Railroad bonds, 

City of Quincy, Illinois, bonds, 

City of St Louis, Missouri, bonds, . 

Grand Rapids & Indiana Railroad bonds, 

Western Pennsylvania Railroad bonds, 

Lehigh Coal & Nav. Company bonds, 

Mercer County, Ky., bonds, 

Philadelphia & Erie Railroad bonds, 

Chic, Rock Island & Pacific R.R. bonds, 

City of Frankfort, Ky., bonds, . 

Penn & New York Canal and R.R. loan, 

Manhattan Railway bonds, 

Atlantic City Railroad bonds, . 

Car Trust of New York bonds, 

Wabash Railroad "bonds, . 

Cincinnati City bonds, 

Mortgage Trust Co. of Penn bonds, 

Pennsylvania Equipment Trust bonds, 

Lehigh Valley Railway bonds, 

The Delaware Riv Ferry Co of N. J. bonds, 

Northern Pacific Railroad bonds, 

Oregon & Pacific Railroad certificates, 

Philadelphia & Reading Railroad bonds, 

The Allentown Gas Company bonds, 

Pennsylvania Car Tru>t bonds, 

Philadelphia & Reading Railroad bonds, 

N. Y , L Erie & Western D. & Imp. Co. bds., 



Cost Value. 

$36,000 00 

30,000 00 

89,000 00 

30,000 00 

49,500 00 

150,000 00 

125,000 00 

50,000 00 

50,000 00 

150,000 00 

18,760 00 

50,000 00 

224,250 00 

100,000 00 

88,000 00 

96,000 00 

50,000 CO 

230,000 00 

100,000 00 

98,500 00 

95,000 00 

100,000 00 

250,000 00 

223,800 00 

65,000 00 

155,700 00 

44,800 00 

3,000 00 

2,800 00 

26,797 50 

247,500 00 

22,750 00 

159,250 00 

4,500 00 

24,180 00 

54,000 00 

990 00 

12,480 00 

52,500 00 



Market Value. 

$36,000 00 

31,500 00 

94,340 00 

18,000 00 

50,000 00 

165,000 00 

136,250 00 

50,000 00 

50,000 00 

150,000 00 

18,740 00 

50,000 00 

272,250 00 

100,000 00 

88,000 00 

80,000 00 

48,500 00 

230,000 00 

100,000 00 

99,000 00 

97,850 00 

100,000 00 

242,500 00 

209,100 00 

66,300 00 

161,280 00 

52,800 00 

3,000 00 

2,800 00 

27,000 00 

256,250 00 

25,000 00 

158,000 00 

4,500 00 

24,720 00 

54,000 00 

1,(>00 00 

12,600 00 

52,500 00 



5,603,157 50 $6,882,430 00 



1891.] 



OF OTHER STATES. 



161 



" PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF NEW 
YORK," NEW YORK, N. Y. 

[Incorporated Feb. 25, 1875. Commenced business Aug. 10, 1875.] 
Paid-up Capital, $100,000. 

Sheppard Homans, President. William E. Stevens, Secretary. 



Income. 

New premiums without deductions, 

Renewal premiums, 

Premiums paid by dividends and surrendered policies, 



Total, 

Deduct amount paid for re-insurance, 



Total premium income, .... 
Cash received for interest, . . . 
Cash received for rents of company's property, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



Total, 



$249,014 50 

1,040,577 68 

332,469 69 



01,622,661 87 
10,068 54 

$1,612,593 33 

27,382 90 

492 11 

$1,640,468 34 
749,601 69 



. $2,390,070 03 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

Cash paid for surrendered policies, .... 
Cash dividends paid polic} T -holders, $246.54 ; applied in 
meijt of premiums, $332,469.69, .... 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, . 
for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, . . 



pay 



$768,191 86 
5,267 54 

$773,459 40 
4,000 00 

$769,459 40 

100 00 

3,134 49 

332,716 23 

1,105,410 12 

6,977 60 

188,383 88 

24,054 08 

21,264 50 

60,147 94 

19,687 27 

20,263 30 

4,996 12 



162 



LIFE INSURANCE COMPANIES [Dec. 31, 



sh paid for advertising, 
Cash paid for incidentals, . 



$15,064 25 
27,077 97 



Total disbursements, f 1,493,327 03 



Balance, $896,743 00 



Invested in the following 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A). 

on compauy's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents 1 ledger balances, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, . 

Total net or ledger assets, .... 



$152,487 61 

76,650 00 

7,500 00 

490 00 

502,833 26 

1,8» 
103,792 17 
51,129 19 

1896,743 00 
14,105 00 

$882,638 00 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 
Re-insurance due from other companies, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't of uncollected and deferred prem's, , 

Total assets per company's books, . 



$66,091 83 
103,504 63 

$169,596 46 
33,919 29 



?6,586 09 
459 96 

14,000 00 
7,221 25 
4,000 00 



135,677 17 



. $1,050,582 47 



Items not admitted. 



Agents* balances, 



Total admitted assets, 

Deduct^special deposits in other States, 



51,129 19 

$999,453 28 
68.020 00 



Balance, $931,433 28 



1891.] 



OF OTHER STATES. 



163 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries , 4 per cent.), 
Deduct net value of re-insured risks, 



Net re-insurance reserve, . 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 

Liabilities as to policy-holders, 
Deduct liabilities on special dej30sits, 

Surplus as regards policy-holders, . 

Paid-up capital, 

Surplus over capital, 



Gross liabilities, 



$51,000 00 
28,519 67 



$500,431 61 



$370,544 00 
3,362 00 



$367,182 00 



79,519 67 



$446,701 67 
15,700 00 

$431,001 67 

100,000 00 
400,431 61 



$931,433 28 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 





Number. Amount. 


Total No. 


Total Amount. 


Whole life, 


125 $100,386 00 






Endowment, 


266 330,050 00 






All other, . 


. 16,826 64,701,073 00 










17,217 


$65,131,509 00 








Policies issued during the Year. 




Whole life, 


196 $448,500 00 






Endowment, 


176 246,000 00 






All other, . 


. 4,733 15,438,105 00 










5,105 


16,132,605 00 






Whole life policies 


revived, 

Old Policies increased. 


14 


51,000 00 


Whole life, 


$1,000 00 






Endowment, 


8,000 00 






All other, . 


19 8,000 00 


19 


17,000 00 


Total, . 


22,355 


$81,332,114 00 




Policies terminated during the Year. 




Whole life, 


41 $70,400 00 






Endowment, 


122 150,100 00 






All other, . 


. 3,200 11,435,168 00 







3,363 $11,655,668 00 



164 



LIFE INSURANCE COMPANIES [Dec. 31, 





How terminated. 








Number. 


Amount. Total No. 


Total Amount. 


By death, . 


179 


$734,750 00 






maturity, 


1 


5,000 00 






expiry, . 


. 2,758 


9,707,418 00 






surrender, . 


35 


34,250 00 






lapse, . 


57 


83,150 00 






change and decrease, 


. . 22 


184,000 00 






Not taken, 


311 


907,100 00 


3,363 


$11,655,668 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1891. 

280 $479,486 00 

320 433,950 00 

. 18,392 68,763,010 00 



18,992 $69,676,446 00 



Ohio & West Virginia Railroad bonds, . 
Missouri, Kansas & Texas Railroad bonds, 



Schedule A. 

Securities held as Collateral. 

Market Value. 

$4,400 00 
3,975 00 



Amount Loaned. 



$7,500 00 



$8,375 00 $7,500 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

20 shares Macon, Ga. Savings Bank, . . $1,980 00 $1,980 00 

50 " Provident National B'k, Waco, Tex., 5,000 00 5,500 00 

70 " Traders 1 Bank, Tacoma, Wash., . 5,750 00 5,750 00 

25 " Citizens' National Bank, Englewood, 2,500 00 50 00 

Atchison, Jewell Co. & Western R.R. bonds, . 15,190 00 14,720 00 

Toledo & Ohio Central Railroad bonds, . . 7,720 00 8,360 00 

Cincinnati, Sandusky & Cleveland R.R. bonds, 5,075 00 5,250 00 

Englewood, N. J., school bonds, . . . 12,382 01 12,382 01 

Quebec government bonds, .... 14,562 50 14,562 50 

New York, Chicago & St. Louis R.R. bonds, . 18,287 50 19,200 00 

Fort Worth & Denver City Railroad bonds, . 29,837 50 29,400 00 

Montreal city bonds, 43,357 50 43,357 50 

Toledo & Lower Michigan Railroad bonds, . 18,500 00 18,625 00 

Northwestern Telegraph Company bonds, . 15,900 00 15,750 00 

Richmond city bonds, 10,100 00 10,100 00 

Texas & Pacific Railroad bonds, . . . 22,947 50 20,875 00 

Louisville, St. Louis & Texas Railroad bonds, 9,750 00 8,750 00 

Duluth Steamship & Atlantic Railroad bonds,. 38,712 50 39,400 00 

Chesapeake & Ohio Railroad bonds, . . 21,975 00 23,400 00 

Missouri, Kansas & Texas Railroad bonds, . 7,712 50 9,750 00 



1891.] 



OF OTHER STATES. 



165 



Union Pacific Railroad bonds, . 
United States bonds, .... 
Kanawha & Michigan Railroad bonds, 
Wabash Railroad bonds, . 
Chicago & Erie Railroad bonds, 
Mobile & Ohio Railroad bonds, 
Iowa Central Railroad bonds, . 



Cost Value. 

$8,600 00 

125,000 00 

26,2*0 00 

15,137 50 

4,768 75 

6,862 50 

8,975 00 



Market Value 

$7,550 00 

116,875 00 

25,550 00 

15,525 00 

4,850 00 

6,787 50 

8,950 00 



$502,833 26 $495,949 51 



"THE TRAVELERS 1 INSURANCE COMPANY," HARTFORD. 

[Incorporated June 17, 1863. Commenced business July, 1865.] 

James Batterson, President. Rodney Dennis, Secretary. 



Income. 
New premiums without deductions, . 
Renewal premiums, .... 
Cash received for annuities, 



Total 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 

for rents of company's property, 
for j)rofits on bonds or stocks sold, 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



$349,364 70 

1,351,269 05 

13,192 01 

$1,713,825 76 
46,900 63 

$1,666,925 13 

533,283 75 

56,963 09 

4,822 35 

$2,261,994 32 
10,757,353 74 



Total, 



$13,019,348 06 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, 

Gross amount paid for losses and endowments, 

Cash jjaid to annuitants, 

Cash paid for surrendered policies, .... 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
Cash paid for commissions to agents, 



$486,912 94 
123,026 00 

$609,938 94 

2,252 15 

122,349 96 

$734,541 05 

96,000 00 

207,873 17 



166 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 



92 

17,159 98 

.352 00 

17.852 11 
1,27 

19.853 97 
34,170 16 



Total disbursements, $1,262 

Balance, $11,757,260 51 



Invested in the following : — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Suspense account, 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, 



$1,782,190 82 

3,100,9: 

698,454 56 

380,932 48 

5,128,104 00 

1,569 36 

596,248 65 

68,826 84 

$11,757,260 51 
581,232 10 

111,170.028 41 



Other Assets. 



Interest due and accrued, .... 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$191,518 29 
240,371 88 



Total $431,890 17 

Deduct loading (20 per cent.) 86,378 03 

Net am't of uncollected and deferred prem's, . 

Total assets per companj^s books, 



853,789 61 



12 14 



$11,575,330 16 



Items not admitted. 



Suspense account, 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



&,826 84 

$11,506,503 32 

:.362 32 

$10,723,141 00 



1891.] 



OF OTHER STATES. 



167 



Liabilities. 
Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . $10,169,238 00 
Deduct net value of re-insured risks, 76,086 00 



Net re-insurance reserve, 

Death losses and matured endowments in 

process of adjustment, 

Claims resisted by the company, 

Total policy claims, 

Reserve for indemnity contracts, 

Liabilities as to policy-holders, 
Deduct liabilities on special deposits, 



Sui'plus as regards policy-holders, . 
Gross liabilities, .... 



$10,093,152 00 



$25,242 10 
10,000 00 



35,242 10 
5,000 00 



§10,133,394 10 
783,362 32 

§9,350,031 78 
. 1,373,109 22 

§10,723,141 00 



Exhibit of Policies. 
Policies and Additions in force Dec. 31 % 1890. 

Number. Amount. Total No. Total Amount. 

Whole life, . . . 15,834 $30,301,644 00 
Endowment, . . . 6,446 12,312,291 00 
All other, .... 2,264 10,944,285 00 

24,544 §53,558,220 00 



Whole life, 
Endowment, 
All other, . 



Policies issued during the Year. 

. 1,725 $4,120,614 00 
. 1,025 2,241,665 00 
. 1,584 9,686,229 00 



4,334 16,048,508 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

31 $74,659 00 

15 20,950 00 

5 9,500 00 



51 



105,109 00 



Old Policies transferred and increased. 
Whole life, ... 62 §322,230 00 

Endowment, ... 51 84,124 00 

Allother, .... 234 571,70000 

347 



978,054 00 



Total, 29,276 $70,689,891 00 



168 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies terminated during the Year. 





Number. 


Amount. Total No. 


Total Amount. 


Whole life, 


. 1,397 


$3,561,186 00 




Endowment, 


808 


1,664,482 00 




All other, . 


679 


3,655,159 00 






2,884 


$8,880,827 00 






How terminated. 




By death, . 


255 


$474,182 00 




maturity, 


102 


122,896 00 




expiry, . 


28 


49,100 00 




surrender, 


260 


470,721 00 




lapse, . 


. 1,256 


3,703,450 00 




change and decrease, 


463 


1,802,428 00 




Not taken, . 


520 


2,258,050 00 








2,884 


$8,880,827 00 



Whole life, 
Endowment, 
All other, . 



Policies in force Dec. 31, 1891. 

. 16,255 $31,257,961 00 
. 6,729 12,994,548 00 
. 3,408 17,556,555 00 



26,392 $61,809,064 00 



Schedule A. 
Securities held as Collateral. 

Market Value. 

Hartford Carpet Company stock, . . . $1,670 00 

Phoenix Insurance Company stock, Hartford, . 955 00 

Hartford Trust Company stock, Hartford, . 3,250 00 

Bank of North America, New York, . . 560 00 

Galveston, Harris. & San Antonio R R bonds, 60,800 00 

Willimantic Linen Company stock, . . . 14,200 00 

Hartford Electric Light Company stock, . . 1,350 00 

Notes of the Hartford Electric Light Co , . 5,000 00 

First National Bank stock, Alamosa, Col., . 6,000 00 

Eagle Lock Company, Terry ville, Conn , . 284 00 

S. N. Eng. Telephone Co. s'k, N. H., Conn., . 378 00 

Pratt & Cady Co. stock, Hartford, Conn , . 3,600 00 

Jewell Pin Company stock, Hartford, Conn., . 500 00 

Billings & Spencer Co. stock, Hartford, Conn , 250 00 

Bank of Topeka stock, Topeka, Kan., . . 6,000 00 

Chicago & Alton R.R. Co. common stock, . 28,495 00 

Chase National Bank stock, New York, . . 126,000 00 

New Jersey Central Railroad Company stock, 44,600 00 

Western Union Telegraph Company stock, . 12,339 50 

Policy Connecticut Mutual Life Ins. Co., . 1,832 14 

Assigned note secured by real estate, . . 300 00 



Amount Loaned. 

$1,270 00 
500 00 

3,000 00 
46,500 00 

17,000 00 

5,000 00 
450 00 

3,000 00 

5,000 00 
20,000 00 
60,000 00 

40,000 00 

1,000 00 
250 00 



1891.1 



OF OTHER STATES. 



169 



Market Value. 

Richmond Light, Heat and Power Co., N. Y., . $75,000 00 

Johnson, Tenn., city bonds, .... 50,000 00 

Pleasant Hill Township, N. C, bonds, . . 10,000 00 

Sundry mort. on real estate, assigned to Co ,. 11,150 00 

National B'k of Commerce s'k, Denver, Col., . 1,500 00 

Bank of Montrose stock, Montrose, Col., . . 440 00 

State National Bank, Denver, Col., . . . 25,000 00 

Sundry mortgages on real estate, assigned to Co , 76,125 00 

Mortgage on real estate, assigned to Co., . 5,000 00 

Saw, Americus & Montgomery R.R. bonds, . 63,180 00 

Chicago, Burlington & Quincy R.R. stock, . 541 25 ? 

Hartford Loan & Trust Co s'k, Denver, Col., . 3,000 00 ) 

Carbonate National Bank, Leadville, Col., . 4,800 00^ 

First National Bank, Durango, Col., . . 3,000 00 { 

First National Bank, Alamosa, Col., . . 1,800 00 

Broadway Investment Co., Denver, Col.,. . 3,750 00 J 

Conn. General Life Ins. Co. stock, Hartford, . 3,750 00 ) 

Connecticut Fire Insurance Co. stock, Hart., . 2,500 00 S 

E. N. Welch Manufing Co. Forestville, Conn., 110,850 00 ? 

Bristol Brass & Clock Co , Bristol, Conn , . 41,050 00 S 

Houston & Texas Central Railroad bonds, . 5,000 00 

Louisville, New Orleans & Texas RR. bonds, 21,375 00 

South Pacific of Arizona Railroad bonds, . 25,750 00 

Kentucky Central Railroad bonds, . . . 29,750 00 

South Pacific of California Railroad bonds, . 25,000 00 

South & North Alabama Railroad bonds, . 25,000 00, 

New York, N. Haven & Hartford R.R. stock, . 1,344 00 

Lincoln, Neb., Street Railway bonds, . . 35,000 00 

Amsterdam, N. Y., Street Railroad Company, 100,000 00 

Keokuk, la., Elec. St. R'y & Power Co. bds., . 19,000 00 

Mortgage on real estate, .... 54,000 00 



Amount Loaned. 

$37,500 00 

46,714 56 

4,500 00 

770 00 

75,000 00 

4,000 00 

50,000 00 

1,400 00 



} 10,000 00 

5,000 00 
25,000 00 

j. 100,000 00 



600 00 
25,000 00 
50,000 00 
15,0o0 00 
45,000 00 



$1,152,018 89 $698,454 56 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Province of Manitoba, Canada, bonds, . . $79,443 47 $80,942 40 

Clark County, Dak., bonds, school district, . 5,952 00 6,200 00 

Traill County, Dak., bonds, .... 1,500 00 1,500 00 

Riley County, Kan., bonds, .... 48,000 00 48,000 00 

Escambia County, Fla., bonds, .... 3,360 00 3,090 00 

Mecklenburg County, N. C , bonds, . . . 26,812 50 26,812 50 

Pendleton County, Ky., bonds, turnpike, . . 21,200 00 21,200 00 

De Kalb County, Alb., bonds, court house, . 25,000 00 25,000 00 

Otter Tail County, Minn., bonds, . . . 45,500 00 50,000 00 

Butler County, Neb , bonds, .... 57,085 00 55,370 00 

Laramie County, Wyo., bonds, .... 50,000 00 50,000 00 



170 



LIFE INSURANCE COMPANIES [Dec. 31, 



Sault St. Marie, Ont , town bonds, . 

Parkdale, Ont., town bonds, 

Collingwood, Ont., town bonds, school, 

Almonte, Ont , town bonds, 

Paris, Ont , town bonds, water works, 

Windsor, Ont , town bonds, 

Coaticook, Que., town bonds, . 

Vernon, Conn., town bonds, 

Cedartown, Ga., town bonds, . 

Frankfort, Dak., township bonds, school, 

Lakin, Kan., township bonds, bridge, 

Lancaster, Kan., township bonds, railroad, 

Walnut, Kan., township bonds, railroad, . 

Rock Creek, Kan., township bonds, railroad, 

Parker, Kan , township bonds, railroad, . 

Canton, Kan , township bonds, railroad, . 

Elk, Kan., township bonds, railroad, 

Crawford, Kan , township bonds, railroad, 

Blaine, Kan , township bonds, railroad, . 

Oswego, Kan., township bonds, funding, . 

Winnipeg, Man., city bonds, 

Winona, Minn., city bonds, 

St. Paul, Minn , city bonds, educational, . 

Duluth, Minn., city bonds, public improvem't 

Superior, Wis., city bonds, 

Port Townsend, Wash., city bonds, 

Colorado City, Col., city bonds, 

Canon City, Col., city bonds, . 

Pueblo, Col., city bonds, water, 

Cheyenne, Wyo., city bonds, water, 

Lexington, Ky., city bonds, school, 

Jacksonville, Fla , city bonds, sanitary, . 

Helena, Mont , city bonds, sewerage, 

Helena, Mont., city bonds, school district, 

Butte, Mont, city bonds, .... 

Logan, Utah, city bonds, .... 

Council Bluffs, la., city bonds, improvement, 

Sioux City, city bonds, .... 

Falls City, Neb., city bonds, 

Tecumseh, Neb., city bonds, 

Lincoln, Neb., city bonds, 

Edgar, Neb , city bonds, .... 

Clyde City, Kan., city bonds, . 

Arkansas, Kan., city bonds, school, . 

Topeka, Kan., city bonds, 

Ottawa, Kan., city bonds, .... 

Kansas City, Kan., city bonds, . 

Sherbrooke, Que , city bonds, 



Cost Value. 

$50,995 00 

11,765 00 

7,750 00 

13,631 33 

8,567 75 

11.124 84 
25,375 00 

125,000 00 
50,000 00 
1,455 00 
5,455 00 
14,850 00 
18,000 00 
25,000 00 
24,500 00 
15,200 00 

13.125 00 

23.875 00 
13,200 00 
10,000 00 
54,470 00 
33,000 00 
50,500 00 
30,254 49 
22,500 00 
25,000 00 

5,000 00 
30,070 00 
22,736 25 
65,000 00 
30,600 00 

4,000 00 
51,500 00 

23.876 30 
20,700 00 
19,000 00 
26,350 00 
25,650 00 
22,560 00 
20,895 00 
15,000 00 
12,935 00 

4,375 00 
26,250 00 
34,686 84 

8,160 00 
26,400 00 
30,750 00 



Market Value. 

$51,0oo oo 
12,300 

8,215 00 
14,000 00 
60 00 
11,039 92 
26,500 00 
126,000 00 
60,000 00 

1,500 00 

5,000 00 
15,000 00 
18,000 00 
86,000 00 
25,000 00 
16,000 00 
15.000 00 
25,000 00 
16,000 00 
10,000 00 
54.000 00 
33,000 00 
50,500 00 
30,254 49 
22,500 00 
25,000 00 
00 
31,000 00 
22,736 25 
65,000 00 
30,600 00 

4,000 00 
51,500 00 
23,874 00 
2O.7O0 00 
19,000 00 
20,260 00 
25.750 00 
24,000 00 
21,000 00 
16,000 00 
13.000 00 

5,000 00 
26,250 00 
44,000 00 

8.160 00 
26.OO0 00 

32,400 "0 



1891.] 



OF OTHER STATES. 



171 



Quebec, Que., city bonds, . 
Hull, Que., city bonds, 
St. Hyacinthe, Que., city bonds, 
Montreal, Que., city bonds, school, . 
Montreal, Que , city bonds, school, . 
Montreal, Que., city bonds, harbor, . 
Montreal, Que , city bonds, harbor, . 
Montreal, Que., city bonds, abattoirs, 
St. Thomas, Ont , city bonds, . 
Toronto, Ont , city bonds, . 
Guelph, Ont., city bonds, . 
Port Hope, Ont., city bonds, 
Brantford, Ont., city bonds, 
Stratford, Ont., city bonds, school, . 
Vancouver, B C, city bonds, . 
Victoria, B. C, city bonds, 

600 shares Hartford City Gas Light Co., 
2412 " Hartford L. & T. Co., Denver, Col. 

195 " Fruita Impr'm't Co., Denver, Col. 
Lake Superior Ele. Co , bds , Duluth, Minn., 
Hunt Drainage District bonds, Hancock Co., Ill 
Farmington River, Conn., Power Co. bonds, 
Windsor Locks, Conn , Water Power Co. bds. 
Cumberland, Tenn., Pres. Pub. House bonds, 
Fort Smith & Van Buren Co. bonds, 
Black Rocks & Salisbury Beach St. R'y bonds 
Toledo, Ohio, Electric Street R.R. Co. bonds, 
Naumkeag, Salem, Mass., St. R R. Co. bonds, 
Denver Consolidated Electric Co. bonds, 
Western Union Telegraph Co. bonds, 
Grape Greek, 111., Coal Co. bonds, . 
New England Terminal Co. bonds, . 
Allentown, Pa., Gas Co. bonds, . 
Lake Shore & Michigan So. Railroad bonds, 
Mobile & Birmingham Railroad bonds, . 
Atlantic & Pacific Railroad bonds, . 
Oxford & Clarksville Railroad bonds, 
Toledo, Ann Arbor & Grand Trunk R.R. bonds 
St. Louis & San Francisco Railroad bonds, 
Duluth & Manitoba Railroad bonds, . 
Keokuk & Des Moines Railroad bonds, . 
Prescott & Arizona Railroad bonds, . 
Chicago, Milwaukee & St Paul R.R. bonds, 
Canadian Pacific Railroad bonds, 
Stillwater & St. Paul Railroad bonds, 
Toledo, St. Louis & Kansas City R.R. bonds, 
Staten Island Rapid Transit Railroad bonds, 
Seattle, Lake Shore & Eastern Railroad bonds, 



Cost Value. 

$49,000 00 
10,200 00 
10,150 00 
13,647 83 
3,532 10 
21,010 40 
15,450 00 
4,477 50 
33,765 00 
50,000 00 
81,522 20 
60,600 00 
53,102 50 
11,182 50 
10,920 00 
13,250 00 
28,635 01 
241,200 00 
10,742 89 
25,000 00 
30,000 00 
15,000 00 
32,300 00 
35,000 00 
50,400 00 
22,500 00 
22,125 00 
47,500 00 
24,375 00 
73,375 00 
27,550 00 
75,000 00 
48,500 00 

2,110 00 
23,125 00 
43,000 00 
48,750 00 
25,500 00 
100,500 00 
50,437 50 

4,950 00 
41,625 00 
65,000 00 
49,000 00 
32,690 00 
87,750 00 
29,000 00 
47,500 00 



Market Value. 

$50,000 00 
10,200 00 
10,100 00 
15,730 00 
3,000 00 
23,800 00 
16,650 00 
4,545 00 
34,800 00 
50,000 00 
81,760 00 
60,600 00 
53,900 00 
11,235 00 
10,900 00 
13,500 00 
19,200 00 
241,200 00 
9,945 00 
25,000 00 
30,000 00 
15,000 00 
32,300 00 
35,000 00 
50,400 00 
22,500 00 
22,125 00 
47,500 00 
24,375 00 
76,687 50 
14,500 00 
76,500 00 
48,500 00 
2,310 00 
17,500 00 
37,875 00 
48,500 00 
27,250 00 
109,000 00 
52,000 00 
9,860 00 
41,850 00 
64,875 00 
55,000 00 
31,920 00 
83,700 00 
28,250 00 
47,500 00 



172 



LIFE INSURANCE COMPANIES [Dec. 31, 



Knoxville & Ohio Railroad bonds, . 

Ohio Valley Railroad bonds, 

Xcw Haven & Derby Railroad bonds, 

Eureka Springs Railroad bonds, 

Indiana & Lake Michigan Railroad bonds, 

Pittsburgh & Western Railroad bonds, . 

Rio Grande Junction Railroad bonds, 

Philadelphia & Reading Railroad bonds, . 

Texas & Pacific Railroad bonds, 

Duluth, South Shore & Atlantic R.R. bonds, 

Salt Lake City Railroad bonds, 

Cceur d' Alene Railway and Navigation bonds 
500 shares Del , Lack. & Western R.R , . 

1500 " N. Y. Central & Hud. Riv. R.R., 

1000 " Missouri Pacific Railroad, 
700 " Chic, Rock Island & Pacific R.R. 
500 " Central Pacific Railroad, 

2000 " Chicago & Northwestern R R. Co 
100 " N. Y. & New England R.R. Co., 
300 " Manhattan Railway Company, 
600 " Nat. Ex. Bank, Hart , Conn., 

1047 " Hart Nat. B'k, Hart., Conn., . 
155 " First Nat. Bank, Hart., Conn , 
170 " Char. Oak Nat. B'k, Hart , Conn., 
264 " Thames Nat. B'k, Nor., Conn., 
300 " First Nat. B'k, Wall'gf'd, Conn., 
137 " First Nat. B*k, Mid'fn, Conn., 
100 " Met Nat B"k, N. Y., N. Y., . 
200 " Am. Ex. Nat B'k, N. Y., N. Y., 
240 " Mer. Ex Nat. B'k, N. Y , N. Y., 
100 " Nassau Bank, N. Y, N. Y., . 
50 " Cit. B'k, Minneapolis, Minn., 
100 " N. Ger.-Am. B'k, St. Paul, Minn., 
100 " Nat. B'k of Com., Boston, Mass., 
100 " Atlas Nat'l Bank, Boston, Mas 
80 " Am. N'l B'k, Kansas City, Mo , 
100 " State N'l B'k, St. Joseph, Mo., 
100 " Union N'l B'k, Denver, Col., . 
350 " Conn. Tr. & S. Dep. Co., H'tf'd, 
140 " Securitv Co., Hartford, Conn., 



Cont Value. 

$43,880 00 

37,050 00 

98,282 50 

25,000 00 

50,000 00 

7,612 50 

45,000 00 

8,000 00 

31,150 00 

4,825 00 

47,875 00 

51,250 00 

33,656 25 

160,425 00 

103,537 50 
85,856 25 
46,612 50 

236,775 00 
10,955 00 
30,200 00 
43,046 50 

166,877 25 

16,402 88 

21,684 25 

36,960 00 

31,800 00 

14,659 00 

6,815 63 

21,413 00 

11,912 79 

7,250 00 

5,000 00 

12,600 00 

11,212 75 

11,900 00 

8,000 00 

10,600 00 

11,000 00 

29,400 00 

14,736 25 



Market Value. 

$46,010 00 
36,000 00 
9.0,220 00 
25,750 00 
50,00<> 

8,100 00 
45,000 00 

8,500 00 
29,225 00 

4,875 00 

47,500 00 

00 

35,000 00 

175,312 50 

00 

61,950 00 

15,000 00 

231,250 00 

9,850 00 
31,050 00 
38,100 00 
158,097 00 
16,585 00 
17.510 00 
39,600 00 
32,400 00 
14,659 00 
185 00 
29,800 00 
14,640 00 

8,250 00 

5,250 00 
12,500 00 
18,500 00 
12,200 00 

8,000 00 
10,000 00 
10,500 00 
50,750 00 
21,000 00 



$5,128,104 00 $5,087,815 56 



1891.] 



OF OTHER STATES. 



173 



"UNION MUTUAL LIFE INSURANCE COMPANY," 
PORTLAND, MAINE. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

John E. De Witt, President. Arthur L. Bates, Secretary. 



Income. 

New premiums without deductions, 
Renewal premiums, .... 



Total, 

Deduct amount paid for re-insurance, 



Total premium income, . 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 

Profit and loss account 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



$180,893 48 
632,439 38 

$813,332 86 
3,957 48 

$809,375 38 

258,144 04 

399 87 

18,585 06 

32,217 79 

51,118,722 14 
5,999,751 36 



Total, $7,118,473 50 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered poli 

cies, and voided by lapse, 

Cash surrender values, including reconverted additions ap 

plied in payment of premiums, 

Cash dividends paid policy-holders, $2,296.64 ; applied in pay 

ment of premiums, $16,000.66, 

Premium notes or loans used in payment of dividends, . 

Total paid policy-holders, 

Cash paid for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 



$436,978 35 

27,926 00 

134,093 55 

13,180 00 

$612,177 90 

392 15 

17,062 26 

30 079 19 

10,628 84 

18,297 30 
4,262 00 

$692,899 64 

126,507 07 

68,283 14 

18,056 61 

50,013 22 



174 



LIFE INSURANCE COMPANIES [Dec. 31 



Cash paid for taxes and fees, . 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 
for advertising, 
for incidentals, .... 



Total disbursements, 
Balance, 



Invested in the following : — 

Assets as per Ledger Accounts 

Value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, . 

deposited in bank, . 

in transit (since received), 
Bills receivable, 
Agents 1 ledger balances, . 
Cash notes taken for premiums, 



$15,911 50 

10,315 71 

8,781 90 

1,189 31 

13,310 80 

33,806 43 

$1,039,075 33 

$6,079,398 17 



$877,550 33 

1,368,266 29 

415,192 84 

344,686 00 

2,956,062 07 

632 95 

96,929 77 

409 82 

1,534 89 

1,920 38 

16,212 83 



Ledger assets (as per balance), .... $6,079,398 17 



Other Assets. 

Interest due and accrued, $70,945 57 

Rents due and accrued, 585 08 

Market value of stocks and bonds, over cost, .... 7,536 77 

Uncollected premiums on policies in force, . §94,695 29 
Deferred premiums on policies in force, . . 82,967 29 



Total, $177,662 58 

Deduct loading (20 per cent), .... 35,532 52 
Net anrt of uncollected and deferred prem's, . 

Total assets per company's books, .... 
Items not admitted. 



142,130 06 



$6,300,595 65 



Agents 1 balances, 

Bills receivable, 

Total, . 



$1,920 38 
1,534 89 



3,455 27 



Total admitted assets, 
Deduct special deposits in other States, . 

Balance, 



$6,297,140 38 
466,564 01 



$5,830,576 37 



1891.] 



OF OTHER STATES. 



175 



Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), 
Deduct net value of re-insured risks, 



of 



Net re-insurance reserve, . 
Premium obligations in excess of net values 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in 

process of adjustment, .... 
Claims resisted by the company, 

Total policy claims, .... 
Unpaid dividends of surplus due policy-holder 
Premiums paid in advance, 
Contingent liabilities, .... 



Liabilities as to policy holders, 
Deduct liabilities on special deposits, 

Surplus as regards special policy-holders, 

Surplus as regards other policy-holders, . 

Gross surplus, 



Gross liabilities, 



. $5,807,724 00 
6,434 00 



. $5,801,290 00 
their policies, 126 00 

. $75 00 
. 8,701 54 



75,342 22 
10,000 00 



3, 



94,118 76 
3,125 01 
1,808 13 
8,683 00 

$5,909,150 90 
466,564 01 



$60,246 66 
327,742 82 



$5,442,586 89 



387,989 48 
>,830,576 37 



Premium Note Account. 



Premium notes on hand Dec. 31, 1890, . . $403,506 00 

Premium notes received during 1891, . . 19,767 19 

Total 

Used in payment of losses and claims, . . $41,106 00 
of surrendered policies and 

voided by lapse, . . 30,079 19 
of dividends to policy-hold- 
ers, 4,262 00 

Redeemed by maker in cash, .... 2,736 00 

Transferred, 404 00 

Total, 

Balance note assets Dec. 31, 1891, 

Exhibit of Policies. 



$423,273 19 



78,587 19 
$344,686 00 



Whole life, 
Endowment, 
All other, . 
Pieversionary additions, 



Policies and Additions in force Dec. 31, 1890. 

Number. Amount. Total No. Total Amount. 

. 5,286 $9,670,259 00 

. 7,844 14,170,564 00 

. 2,103 4,165,889 00 

212,042 00 

15,233 $28,218,754 00 



176 



LIFE INSURANCE COMPANIES [Dec. 31, 



Whole life, 
Endowment, 



Policies issued during the Year. 

Number. Amount. Total No. Total Amount. 

. 2,695 $5,650,535 00 
618 1,025,300 00 
3,313 $6,675,835 00 



Whole life, 
Endowment, 
All other, . 



Old Policies revived. 

1 $3,000 00 

3 4,000 00 

975 00 



7,975 00 



Old Policies increased and transferred. 



Whole life, 


10 


$15,000 00 




Endowment, 


14 


9,485 00 




All other, . 


455 


916,204 00 








479 


940,689 00 
187,952 00 


Additions by dividends, 


. 






. 19,029 


$36,031,205 00 


Policies terminated during the Year. 




Whole life, . . * 


936 


f2,255,917 00 




Endowment, 


. 1,308 


2,328,068 00 




All other, . 


373 


778,296 00 




Reversionary additions, 


- 


19,433 00 






2,617 


£5,381,714 00 






How terminated. 




By death, . 


227 


$460,457 00 




maturity, 


143 


144,197 00 




expiry, 


338 


629,490 00 




surrender, . 


64 


188,046 00 




lapse, . 


736 


1,521,300 00 




change and decrease, . 


478 


1,095,774 00 




Not taken, .... 


631 


1,342,450 00 








2,617 


5,381,714 00 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Policies in force Dec. 31, 1891. 

. 7,056 $13,082,877 00 

. 7,171 12,881,281 00 

. 2,185 4,476,912 00 

208,421 00 



16,412 $30,649,491 00 



1891.] 



OF OTHER STATES. 



177 



Schedule A. 

Securities held as Collateral. 

Market Value. 

24 shares Central Wharf, Portland, Me , . $24,000 00 

355 " Portland Water Co , Portland, Me., 42,G00 00 

5 " First National B'k, Wiscasset, Me., 600 00 

70 " Flint & Pere Marquette Railroad, . 5,950 00 

Maine Central Railroad Company bonds, . 2,260 00 > 

Northern Pacific Railroad bonds, . . . 2,360 00 ' 

City of Portland, Me , bonds, .... 1,08000.! 

Leeds & Farmington Railroad bonds, . . 1,060 00 

9 shares Central Wharf, Portland, Me., . . 9,000 00 
Chicago & West Michigan Railroad bonds, . 950 00 j 
New York & New England Railroad bonds, . 1,120 00 \ 
Maine Central Railroad bonds, . . . 1,130 00 
188 shares Camden & Rockland Water Co., . 18,800 00 

3 " American Bell Telephone Co , . 606 00 > 

20 " Old Colony Railroad, . . . 3,300 00 J 

Grand Avenue Railroad bonds, . . . 1,970 00 > 

100 shares Camden & Rockland Water Co., . 10,000 00 

45 shares Auburn Aqueduct Co., Auburn, Me., 3,600 00 

Portage City Water Co , Portage, Wis , bonds, 500 00 ") 

Rochester Water Co , Rochester, Minn , bonds, 500 00 j 

Ft. Smith, Ark., Water Company bonds, . . 500 00 ', 

Kankakee Water Co , Kankakee, 111 , bonds, . 500 00 J 

Atlantic & Pacific Railroad bonds, . . . 5,320 00 

25 shares Portland Water Co., Portland, Me., . 3,000 00 

Lime Rock Railroad, Rockland, Me., bonds, . 26,250 00 

10 shares Portland Railroad, .... 1,150 00 
City Water Co. of East St. Louis, 111., bonds, . 500 00 
100 shares Schuster Hax Nat. B'k, St. Jo., Mo., 11,400 00 
Maine Central Railroad bonds, . . . 675 00 
Washington Water Company, Ind., bonds, . 500 00 ) 
Owensboro 1 , Ky., Water Company bonds, . 500 00 ) 
5 shares Portland Railroad Co., Portland, Me , 575 00 
Atchison, Topeka & Santa F6 R R. bonds, . 8,550 00 ) 
12 shares Lockwood Co., Waterville, Me., . 1,200 00 ) 
70 " Houlton, Me., Water Company, . 1,925 00 
50 " Portland & Rochester Railroad, . 6,250 00 
41 " Portland Trust Co., Portland, Me., . 4,715 00 
Portland, Me., Water Company bonds, . . 485 00 
Atchison, Topeka & Santa Fe Railroad bonds, 427 50 
Akron St. Railway Company bonds, . . 1,000 00 
Androscoggin Company, Me., bonds, . . 520 00 \ 
Androscoggin & Kennebec Railroad bonds, . 100 00 / 
200 shares Commercial Union Telegraph Co., 22,000 00 

17 shares Portland, Me., Gas Light Company, 1,360 00 

Owensboro', Ky., Water Company bonds, . 1,000 00 



Loaned Thereon. 

$12,000 00 

24,000 00 

515 00 

4,300 00 

5,000 00 

700 00 
4,200 00 

440 00 

1,000 00 
15,000 00 

5,000 00 

10,000 00 
550 00 

1,500 00 

5,000 00 

2,000 00 

22,000 00 

750 00 

400 00 

10,000 00 

500 00 

900 00 

450 00 
8,737 50 

1,500 00 
5,000 00 
4,100 00 

400 00 

814 00 

500 00 

4,000 00 

1,050 00 

900 00 



178 



LIFE INSURANCE COMPANIES [Dec. 31, 



50 shares Rockland, Me., Trust Co., 
50 " Central Nat'l Bank, Springfield, Mo 
50 " Schuster 1 lax N'l B*k, St. Joseph, Mo 
Kansas City, Mo., School District bonds, 
20 shares Portland, Me., Water Company, 
5 shares Rockland, Me., Trust Company. 
St. Joseph & Grand Island R.R. bonds, . 
Atchison, Topeka & Santa Fe Railroad bonds 
Consolidated Railroad of Vermont bonds, 
Atlantic & Pacific Railroad bonds, . 
Missouri Valley & Blair R'y & Bridge bonds 
Atchison, Topeka & Santa Fe Railroad bonds 
15 shares New York & New England R.R., 
Chicago, St Louis & Pittsburg R.R. bonds, 
Ohio & Mississippi K.R., Springfield Div., bds 
Mt. Vernon Water Co., Mt. Vernon, N. Y., bds 
Atchison, Topeka & Santa Fe Railroad bond 
Atlantic Mutual Insurance Company scrip, 
Houston & Texas Central Railroad bonds, 
Chicago & West Michigan Railroad bonds, 
30 shares First National Bank, Houlton, Me 
Cedar Rapids & Missouri River R.R. bds , 
Missouri, Kansas & Texas Railroad bonds, 
Northern Pacific Railroad bonds, 
80 shares Portland, Me., Water Company, 
70 shares Houlton, Me , Water Company, 
Chicago, Burl. & Quincy Railroad bonds, 
Northern Pacific Railroad bonds, 
Denver City Cable Railroad bonds, . 
Portland, Me., Water Company bonds, . 
Grand Ave. R.R., Kansas City, Mo., bonds, 
St. Croix Electric Light & Water Co. bonds, 
Wichita, Kan., Water Company bonds, . 
10 shares First National Bank, Houlton, Me., 
95 shares Nat Shoe & Lea. Bk, Auburn, Me. 
City of Portland (Port. & Roch. R.R.) bonds, 
Bath, Me , Water Supply Company bonds, 
Ore. Short Line & Utah Northern R.R. bonds 
Atchison, Topeka & Santa Fe R.R. bonds, 
Evansville, Ind , bonds, .... 
Maine Central R.R. bonds, 
Mortgage of real estate, Minneapolis, Minn., 
Scioto Valley & New England R.R. bonds, 
Missouri Valley & Blair R'y & Bridge Co. bds. 
52 shares Portland, Me., Water Company, 
St. Joseph Water Co., St. Joseph, Mo., bonds 
Receipts for 150 shares Westbrook ManT g Co. 
Oregon Improvement Company bonds, . 



Market Value. 

?5,500 00 
5,250 00 
5,700 00 

43,125 00 

2,400 00 I 

550 00 < 

9,900 00 ^ 

5,985 00 ! 



} 



4,600 00 



1,520 00 J 
1,100 00 
8,550 001 
1,500 00 
1,050 00 
2,200 00 
1,000 00 
2,640 00 
I 00 
2,060 00 J 
1,900 00 
4,500 00 
1,150 00 
8,400 00 
3,230 00 
9,600 00 
1,925 00 

900 001 

1,180 00 

2,000 00 

970 00 

1,790 00 

1,000 00 J 

2,000 00 

1,500 00 

7,600 00 

4,860 00 

5,000 00 

4,695 00 

2,565 00 

1,020 00 

20,550 00 

22,000 00 

775 00 

1,100 00 

6,240 00 

3,000 00 

15,000 00 

3,500 00 



Loaned Thereon. 

$10,000 00 

42,200 00 
2,000 00 

20,000 00 
900 00 



J> 16,041 34 



1,400 00 
3,000 00 
1,000 00 

10,000 00 

5,000 00 
1,500 00 



}> 6,500 00 



1,000 00 
800 00 
7,500 00 
4,500 00 
4,500 00 

7,000 00 

15,000 00 

15,000 00 

645 00 

1,000 00 

5,000 00 

500 00 

10,000 00 

2,800 00 



1891.] 



OF OTHER STATES. 



179 



Cedar Rapids & Missouri River R.R. bonds, 
50 shares N. Y. & N. E. Railroad, . 
New York & Erie Railroad bonds, . 
Elmira & Horseheads Railroad bonds, 
Citizens 1 Gas Light Company bonds, 
Louisville, New Albany & Chicago R.R. bonds 
Louisville, New Orleans & Texas R.R. bonds 
Southern Pacific & California R.R. bonds, 



Schedule B. 



Market Value. Loaned Thereon. 

$1,150 00 $1,000 00 
5,000 00 4,200 00 

11,465 00 10,000 00 

13,500 00 'i 

18,000 00 I 

16,000 00 [ 52,000 00 

12,825 00 
7,000 00 J 

$562,028 50 $415,192 84 



Stocks and Bonds owned by the 



United States bonds, 

Atchison, Topeka & Santa Fe Railroad bonds 
Chicago & West Michigan Railroad bonds, 
Canadian Pacific Railway bonds, 
Chicago, Burlington & Quincy Railroad bonds 
Current River Railroad bonds, . 
Denver & Rio Grande Railroad bonds, . 
Fremont, Elkhorn & Missouri Val. R R. b'ds, 
Flint & Pere Marquette Railroad bonds, . 
Grand Avenue RaiPy, Kansas City, Mo., b'ds, 
Hannibal & St. Joseph Railroad bonds, . 
Kansas & Missouri Railroad bonds, . 
Kan City, St. Jo. & Council Bluffs R.R. b'ds, 
Kansas City Belt Railway bonds, 
Kansas City Cable Railway bonds, . 
Kansas City, Ft. Scott & Memphis R.R. bonds 
Lincoln & Northwestern Railroad bonds, 
Lime Rock R.R., Rockland, Me., bonds, . 
Milwaukee & St. Paul Railroad bonds, . 
Maine Central Railroad bonds, . 
New York & New England Railroad bonds, 
Ohio & Mississippi Railroad bonds, . 
Oregon Railway & Navigation Co. bonds, 
Oxford & Clarksville Railroad bonds, 
People's Street Railway Company bonds, 
Philadelphia & Reading Railroad bonds, . 
Rome, Watertown & Ogdensburg R.R. bonds 
Scioto Valley & New England R.R. bonds, 
St. Louis Railroad bonds, .... 
Staten Island Rapid Transit Railroad bonds, 
Union Street Railway Co., Dover, N. H., bonds 
Union Pacific, Lincoln & Colorado bonds, 
Utah & Northern Railway Company bonds, 
Wisconsin Valley Railroad bonds, . 



Company. 

Tar Value. 

$50,000 00 
191,000 00 
125,000 00 
98,000 00 
22,500 00 
50,000 00 
25,000 00 
25,000 00 
50,000 00 
50,000 00 
50,000 00 
10,000 00 
30,000 00 
50,000 00 
50,000 00 
50,000 00 
45,000 00 
25,000 00 
35,000 00 
100,000 00 
50,000 00 
46,000 00 
50,000 00 
25,000 00 
25,000 00 
25,000 00 
25,000 00 
50,000 00 
25,000 00 
10,000 00 
25,000 00 
24,000 00 
25,000 00 
4,000 00 



Market Value. 

$59,000 00 
163,305 00 
118,750 00 
106,330 00 
23,962 50 
47,500 00 
20,250 00 
30,625 00 
60,000 00 
49,250 00 
58,500 00 
9,500 00 
36,225 00 
56,000 00 
49,250 00 
53,500 00 
56,475 00 
26,250 00 
44,450 00 
107,000 00 
56,000 00 
52,612 50 
46,500 00 
24,750 00 
26,250 00 
21,500 00 
28,125 00 
38,750 00 
25,125 00 
11,200 00 
26,250 00 
18,240 00 
19,750 00 
4,800 00 



180 



LIFE INSURANCE COMPANIES [Dec. 31, 



Americus, Georgia, bonds, 

Albina, Oregon, bonds, 

Berlin, New Hampshire, bonds, 

Bond County, 111 , bonds, . 

Caribou, Maine, bonds, 

Damariscotta, Maine, bonds, 

Delaware, Ohio, bonds, 

Elk County, Kan., bonds, . 

Helena, Montana, bonds, . 

Jefferson Co., Ala., 5s, due July, 1920, 

Minneapolis, Minn., bonds, 

Mont. Harbor (debentures) 4s, due July, 1!»17 

Mecklenburg Co., N. C, bonds, 

Omaha, Nebraska, bonds, . 

Pueblo, Col., bonds, .... 

Province of New Brunswick bonds, . 

Piano, Texas, bonds, .... 

Richmond, Va., bonds, 

Wells County, Ind., bonds, 

Crystal Water Co , Edgewater, X. Y., bonds, 

Chicago Gas Light & Coke Co. bonds, 

Citizen's Gas Light Co., Brooklyn, X. Y , bonds 

City Water Co., Chattanooga, Tenn., bonds, 

Fort Payne, Ala., Water Co. bonds, . 

Fort Smith, Ark., Water Co. bonds, . 

Freeport, Me , Water Co. bonds, 

Goldsboro 1 , X. C, Water Co bonds, 

Le Mars, Iowa, Water & Light Co. bonds 

Leadville, Colorado, Water Co. bonds, 

Manitowoc, Wis., water bonds, 

Metropolitan Telephone & Tele. Co. bonds, 

Michigan Gas Co. bonds, .... 

Richmond Water & L't Co., Rich'd, Ky , bonds 

Rockport, Ind., Water Works Co. bonds, 

St. Joseph, Mo , Water Co. bonds, . 

Wakefield, Mass., Water Co. bonds, 

142 shares Portland, Saco & Portsmouth R.R , 
20 " Biddeford Xat. B"k, Biddeford, Me , 

200 " Canal Xation'l Bank, Portland. Me, 
40 " City Xational Bank, Dallas, Tex., . 

122 " Cumberland Xat. Bank, Port., Me., 
50 " Com'c'l Xat. B'k, Omaha, Xeb., 
20 " Far's* ft M'ts* Xat. Bk, Waco, Tex, 
20 " First Xat. Bank, Auburn, Me., 
10 " First Xat. Bank, Wiscasset, Me., 

100 " First Nat Bank, Lewiston, Me, 
12 " First Nat. Bank, Bangor, Me, 
38 " First Nat. Bank, Biddeford, Me., 



Tar Value. 
$10,000 00 

25,000 00 

6,000 00 

5,000 00 

17,000 00 

2,000 00 

5,000 00 

6,000 00 

25,000 00 

65,000 00 

H>,000 00 

30,00Q 00 

30,000 00 

25,000 00 

50,000 00 

64,000 00 

7,000 00 

10,000 00 

13,000 00 

25,000 00 

35,000 00 

45,000 00 

30,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

25,000 00 

50,000 00 

15,000 00 

25,000 00 

10,000 00 

25,000 00 

25,000 00 

14,200 00 

2,000 00 

20,000 00 

4,000 00 

4,880 00 

5,000 00 

2,000 00 

2,000 00 

1,000 00 

10,000 00 

1,200 00 

3,800 00 



Market Value. 

$11,300 00 
28,833 33 
5,820 00 
5,0.0 

17,315 00 

2,068 00 

5,640 00 

6,000 00 

26,875 00 

68,750 00 

10,310 00 

30,000 00 

33,375 00 

26,312 50 

55,712 50 

64,000 00 

7,000 00 

13,100 00 

13,55l' 

25,00o 

30,187 50 

40.." 

30,000 00 
25,000 00 
25,000 00 
26,1 

25,000 00 
25,000 00 
25,000 00 
25,000 
51,750 00 
15,000 00 
25.' 

10,000 00 

25,000 00 

25,000 00 

18,069 50 

2.700 00 

25,600 00 

6,600 00 

5,124 00 

5,900 00 

2,140 00 

2,800 00 

1,200 00 

16,000 00 

1,536 00 

6,270 00 



1891.] 



OF OTHER STATES. 



181 



62 shares First Nat. Bank, Portland, Me., 



Flour City N'l B'k, Minn., Minn., . 
Int'r. L'n & Tt Co., Kansas City, Mo., 
Kni'k'b'ker Trust Co., N. Y. City, . 
Lime R'k Xat. B'k, Rockland, Me, 
ManT t's' N'l B'k, Lewiston, Me., . 
Merchants 1 N'l B'k, Portland, Me., . 
N'l B'k of Kan's C'y, K's City, Mo, 
N'l B'k of C'rnm'ce, Omaha, Neb., 
X'l Traders' Bank, Portland, Me , 
North X'l B'k, Rockland, Me , 
Xorthern X'l B'k, Hallowell, Me, 
Norway N'l B'k, Norway, Me , 
People's X'l B'k, Waterv'le, Me., 
Portland X'l B'k, Portl'd, Me., 
Richmond X'l B'k, Richm'd, Me , 
Rockland X'l B'k, Rockl'd, Me, 
Sc'ter Hax X'l B'k, St. Jo, Mo, 
S'x F's X'l B'k, S'x F's, So. Da , 
Ticonic X'l B'k, Waterv'le, Me , 
Westbrook T't Co, Westb'k, Me, 



50 ' 

200 ' 

48 ' 

60 ' 

50 ' 

36 ' 

50 ■ 

50 ' 

63 ' 

100 ' 

100 ' 

10 ' 

30 

200 ' 
7 

50 

50 

20 

35 

50 ' 
Province of Ontario annuities, . 



Par Value. 

$6,200 00 
5,000 00 

20,000 00 
4,800 00 
4,200 00 
5,000 00 
2,700 00 
5,000 00 
5,000 00 
6,300 00 

10,000 00 

10,000 00 
1,000 00 
3,000 00 

20,000 00 
700 00 
5,000 00 
5,000 00 
2,000 00 
3,500 00 
5,000 00 



Market Value. 

$6,200 00 
5,475 00 

19,000 00 
8,664 00 
4,500 00 
6,250 00 
4,320 00 
6,250 00 
4,250 00 
7,560 00 

15,000 00 

13,500 00 
1,200 00 
3,750 00 

21,000 00 
805 00 
8,250 00 
5,700 00 
2,000 00 
4,375 00 
5,150 00 
257,134 01 



$2,604,980 00 §2,963,598 84 



"UNITED STATES LIFE INSURANCE COMPANY IN THE CITY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated February, 1850. Commenced business March, 1850.] 
Paid-up Capital, $440,000. 

George H. Burford, President. C. P. Fraleigh, Secretary. 

Income. 

New premiums without deductions, $269,601 30 

Renewal premiums, 819,772 84 

Cash received for annuities, 5,000 00 



Total, 

Deduct amount paid for re-insurance, 

Total premium income, 
Cash received for interest, 
Cash received for rents of company's property 
Profit and loss account, .... 



Total income, 
Net or ledger assets Dec. 31, 1890, 

Total, 



$1,094,374 14 

6,912 68 

$1,087,461 46 

300,727 38 

1,439 00 

62,806 m 

$1,452,434 50 

6,106,731 62 

$7,559,166 12 



182 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, .... 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowmeu 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

-h paid for surrendered policies and additions, . 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agent 
for medical examiner's fees, . 
for salaries of officers and office employ* 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, 



Total disbursements, 
Balance, 



$538,318 34 
- 21 

$644 

00 

$639,876 o5 

100,188 90 

$742,11" 

I 00 

193,560 89 

.0.33 23 

.016 10 
29 
•21,01' 

24,627 66 

. .7 63 

35,911 15 

v 1,224,011 45 

f6,335,154 67 



Invested in the following: : — 



Assets as per Ledger Accounts 



Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
Loans on collateral security (schedule A), 
Premium notes or loans on policies in force. . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Bills receivable, ...... 

Agents' ledger balances, 



Ledger assets (as per balance), 



$66,972 49 
3,907,877 81 
B2 
211,518 29 
1,758,659 34 
850 63 
287,417 
13.29: 
17.743 89 

$6,335,154 67 



Other Assets. 

Interest due and accrued, .... 
Market value of real estate, over cost, 
Market value of stocks and bonds, over cost, 



\ 
B2 33 2S 



1891.] OF OTHER STATES. 183 

Uncollected premiums on policies in force, . $168,224 64 
Deferred premiums on policies in force, . . 138,517 25 

Total $306,741 89 

Deduct loading (20 per cent.),. ■ • • 61,348 38 

Net amount of uncollected and deferred prem's, $245,393 51 

Total assets per company's books, .... $6,737,988 27 

Items not admitted. 

Agents 1 balances, $17,743 89 

Bills receivable, 13,291 50 

Total, 31,035 39 

Total admitted assets, $6,706,952 88 

Deduct special deposits in other States, 121,000 00 

Balance, $6,585,952 88 

Liabilities. 

Computed premium reserve or net present value of all out- 
standing policies (actuaries' 4 per cent.), . . . .$6,056,379 00 
Deduct net value of re-insured risks, 44,486 00 

Net re-insurance reserve, $6,011,893 00 

Death losses and matured endowments in 

process of adjustment, $50,080 00 

Claims resisted by the company, . . . 11,750 00 

Total policy claims, 61,830 00 

Premiums paid in advance, 2,325 49 

Liability on lapsed policies, 3,102 00 

Miscellaneous, 9,016 73 

Liabilities as to policy-holders, $6,088,167 22 

Deduct liabilities on special deposits, 111,015 00 

$5,977,152 22 
Surplus as regards policy-holders, . . . $608,800 66 

Paid up capital, 440,000 00 

Surplus over capital, 168,800 66 

Gross liabilities, $6,585,952 88 

Premium Note Account. 
Premium notes on hand Dec. 31, 1890, . . $181,777 22 
Premium notes received during 1891, . . 92,099 43 

Total, $273,876 65 



184 



LIFE INSURANCE COMPANIES [Dec. 31, 



Used in payment of losses and claims, . . £12,816 23 
Used in payment of surrendered policies and 

voided by lapse, 14,018 16 

Redeemed by maker in cash, .... 35,523 97 

Total,/ $62,358 36 



Balance note assets Dec. 31, 1891, 



$211,518 29 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, 1890. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



Number. Amount. Total No. Total Amount. 

10,230 $19,952,638 00 

1,674 2,917,742 00 

3,589 12,525,083 00 

926,700 00 

15,493 £36,322,163 00 



Policies issued during the Year. 



Whole life, 
Endowment, 
All other, . 


. 1,240 $2,556,870 00 

222 4.V2,600 00 

. 3,121 11,092,184 00 


4,583 
161 


14,101,654 00 
368,500 00 


Whole life, - . 
Endowment, 
All other, . 


Old Policies revived. 

22 £46,000 00 

9 14,000 00 

130 308,500 00 



Old Policies changed and increased. 



Whole life, 
Endowment, 
All other, . 


17 

7 

17 


£43,500 00 

9,740 00 

32,100 00 


41 


85,340 00 










20,278 


$50,877,657 00 



Policies terminated during the Tear. 

Whole life, . . . 1,289 $2,706,040 00 

Endowment, ... 246 478,420 00 

All other, .... 1,67-4, 6,417,815 00 

Reversionary additions, . - 108,713 00 



3,209 $9,710,988 00 



1891.] 



OF OTHER STATES. 



185 





How terminated. 








Number. Amount. 


Total No. 


Total Amount. 


By death, . 


259 $591,192 00 






maturity, 


48 107,696 00 






expiry,. 


46 114,115 00 






surrender, . 


83 171,716 00 






lapse, . . . . 


2,050 6,460,969 00 






change and decrease, . 


49 388,000 00 






Not taken, . . 


674 1,877,300 00 










3,209 


$9,710,988 00 



Policies in force Dec. 31, 1891. 



Whole life, 
Endowment, 
All other, . 
Reversionary additions, 



10,220 $19,892,968 00 

1,666 2,915,662 00 

5,183 17,540,052 00 

817,987 00 



17,069 $41,166,669 00 



Schedule A. 

Securities held as Collateral. 



Northern Gas Light Co. of N. Y. stock, . 
50 shares Central Gas Light Co., New York, 
Missouri Pacific Railway bonds, 
Northern Gas Light Company bonds, 
100 shares Missouri Pacific Railway, 
75 shares Western Union Telegraph Co , 
Missouri Pacific Railway bonds, 
163 shares American Telegraph and Cable Co. 
66 shares New York, Lack. & Western R'y, 
Missouri Pacific Railway bonds, 
40 shares American Telegraph and Cable Co 



25 
16 
10 
20 
20 
22 
130 



American Telegraph and Cable Co 
United N.Jersey R.R. & Canal Co. 
Importers 1 & Traders 1 Nat. Bank, 
Importers 1 & Traders 1 Nat. Bank, 
Missouri Pacific Railway Company 
H. B. Clallin Company, . 
N. Gas Lt. Co., N. Y. City, stock, 



Schedule B. 



Market Value. 

$2,700 00 "l 
2,250 00 | 

10,725 00 j 
8,950 00 I 
6,450 00 \ 
6,300 00 
1,150 00 

13,040 00 
7,194 00 J 
2,300 00 
3,200 00 
2,000 00 
3,584 00 
5,350 00 

10,700 00 
1,290 00 
2,266 00 
8,775 00 



Amount Loaned. 



$44,700 00 



2,223 38 

1,200 00 
2,800 00 
4,400 00 

10,000 00 

5,500 00 



$98,224 00 $70,823 38 



Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

United States bonds, $60,602 55 $58,750 00 

District of Columbia bonds, .... 131,384 40 137,976 00 

Jersey City bonds, 166,562 00 168,620 00 

City of Newark, N. J., bonds, . . . . 116,000 00 116,000 00 



186 



LIFE INSURANCE COMPANIES [Dec. 31, 



New York, Lackawanna & Western Ry. bonds, 
Oswego & Syracuse Railroad bonds, 
Chicago & Northwestern Railway bonds, 
Chicago, Milwaukee & St. Paul Ry. bonds, 
Missouri Pacific Railway bonds, 
Iowa Central Railway bonds, .... 
St. Louis, Iron Mountain & Southern Ry. b'ds, 
St Louis & Iron Mountain Railroad bonds, 
Chicago, Burlington & Quincy Railway bonds, 
New York Central Railway bonds, . 
Louisville & Nashville Railroad bonds, . 
Kansas Pacific Railway bonds, 
Chicago, St. Paul, Minn. & Omaha Ry. bonds, 
Burlington, Cedar Rapids & Northern Ry. b'ds, 
Chicago, Rock Island & Pacific Ry. bonds, 
Metropolitan Elevated Railway bonds, . 
West Shore Railroad bonds, .... 
East Teun., Va., & Georgia Railway bonds, . 
Atchison, Topeka & Santa Fe Railway bonds, 
Missouri, Kansas & Texas Railway bonds, 



Cost Value. 

$47,801 98 
30,600 00 
99,099 32 
97,473 46 

212,496 75 
71,550 00 
35,732 88 
53,456 64 
46,195 21 

124,167 50 
41,175 00 
74,917 61 
27,750 00 
42,000 00 

104,750 00 
14,933 31 

101,817 46 
24,518 41 
21,154 86 
12,520 00 



Market Value. 

$51,320 16 
32,700 00 

110,607 00 

109,812 50 

219,334 00 

80,063 10 

42,375 00 

-.667 00 

50,083 50 

126,537 46 
51,300 00 
80,437 50 
29,781 
46,875 

101,000 00 
15,890 00 

101,750 00 
23,791 75 
20,875 00 
12,686 40 



$1,758,659 34 $1,841,292 62 



"THE WASHINGTON LIFE INSURANCE COMPANY,- NEW 

YORK, N. Y. 



[Incorporated January, 1860. Commenced business Feb. 2, I860.] 

Paid-up Capital, $125,000. 

W. A. Brewer, Jr., President. William Haxtun, Secretary. 



Income. 

New premiums without deductions, 

Renewal premiums, 

Cash received for annuities, 



Total 

Cash received for interest, 

as discount on claims paid in advance, 
for rents of company's property, 
for profits on securities sold, . 



Total income, .... 
Net or ledger assets Dec. 31, 1890, . 



$559,106 35 

1,591,197 38 

500 00 

$2,150,803 73 

514,026 94 

6,823 46 

11,283 03 

1,498 58 

$2,684,435 74 

10,294,637 06 



Total, 



$12,979,072 80 



1891.] 



OF OTHER STATES. 



187 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

Cash paid for surrendered policies and additions, . 

Return premiums, 

Cash dividends paid policy-holders, applied in payment of 
premiums, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, .... 
for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, .... 
for salaries of officers and office employees, . 

for taxes and fees, 

for rent, 

for commuting commissions, .... 

for advertising, 

for incidentals, 

for profit and loss, 



$739,979 83 
227,268 72 

$967,248 55 
9,718 05 

326.203 23 
2,715 62 

141,115 00 

$1,447,000 45 
8,750 00 

222.204 28 
76,917 04 
26,206 50 
78,675 84 
23,871 72 
10,500 00 
43,621 43 
16,043 85 
58,428 92 

2,467 97 



Total disbursements, . . $2,014,688 00 



Balance, 



$10,964,384 80 



Invested in the following : — 



Assets as per Ledger Accounts 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), 



$501,818 '25 

9,541,192 92 

3,500 00 

278,739 34 

341,711 13 

22,699 85 

225,008 15 

49,715 16 



$10,964,384 80 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, . 



$107,827 48 
83,901 37 



188 



LIFE INSURANCE COMPANIES [Dec. 31, 



Uncollected premiums on policies in force, . $136,602 61 
Deferred premiums on policies in force, . . 242,803 80 



Total, . $379,406 41 

Deduct loading (20 per cent.),. . . 75,88128 

Net am't of uncollected and deferred prem's, . $303,525 13 



Total assets per company's books, . 



£11,459,638 78 



Items not admitted. 



Agents' balances, 



Total admitted assets, 
Deduct special deposits in other States, . 



Balance, 



49,715 16 

811,409,923 62 
K),300 00 



$11,399,623 62 



Liabilities. 
Computed premium reserve or net present value of all out- 



standing policies (actuaries" 4 per cent.), 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses adjusted and not due, . 
Claims resisted by the company, 

Total policy claims, .... 
Due for salaries, rent and office expenses, 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Deduct liabilities on special deposits, 



Surplus as regards policy-holders, . 
Paid-up capital, . 

Surplus over capital, 



$10,946,668 00 



$11,000 00 

7,024 58 

21,717 80 

10,012 20 



$400,499 37 



Gross liabilities, 



49,754 58 

8,169 99 

4,831 68 

$11,009,424 25 

10,300 00 

$10,999,124 25 

125,"000 00 

275,499 37 

$11,399,623 62 



Exhibit of Policies. 
Policies and Additions in force Dec. 31, IS 90. 

Number. Amount. Total No. Total Amount. 

Whole'life, . . . 11,779 $25,906,296 00 
Endowment, . . . 10,305 21,464,282 00 
Reversionary additions, . - 1,026,748 00 

22,084 $48,397,326 00 



1891.] 



Whole life, 
Endowment, 



OF OTHER STATES. 

Policies issued during the Year. 



189 



Number. Amount. 

3,672 $7,832,237 00 
1,495 2,571,450 00 



Total No. 



Total Amount. 



5,167 110,403,687 00 



Whole life, 
Endowment, 
All other, . 

Additions by dividends, 



Old Policies revived. 

180 $536,990 00 

240 608,020 00 

12,834 00 



420 



1,157,844 00 
208,160 00 



Total, 27,671 $60,167,017 00 



Whole life, 
Endowment, 
Reversionary additions, 



Policies terminated during the Year. 

. 2,316 $5,479,854 00 

. 1,746 3,852,490 00 

248,051 00 



By death, . 
maturity, 
surrender, 
lapse, . 

Not taken, . 



4,062 


$9,580,395 00 


Hoiv terminated. 


291 


$752,666 00 


110 


172,192 00 


637 


1,824,685 00 


2,065 


4,406,786 00 


959 


2,424,066 00 



4,062 9,580,395 00 



Whole life, 
Endowment, 
Reversionary additions, 



Policies in force Dec. 31, 1891. 
. 13,315 $28,795,669 00 
. 10,294 20,791,262 00 



999,691 00 



23,609 $50,586,622 00 



Schedule A. 

Securities held as Collateral. 



Delaware & Hudson Canal Company bonds, . 
100 shares Delaware, Lack. & Western R.R , . 



Market Value. Amount Loaned. 

$3,150 00 



7,000 00 



$3,500 00 



$10,150 00 $3,500 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. 

New York City bonds, $225,312 50 

Brooklyn city bonds, 106,098 63 

Richmond, Va., city bonds, .... 10,300 00 



Market Value. 

$271,312 50 

144,000 00 

10,300 00 



$341,711 13 $425,612 50 



ACCIDENT AND GUARANTEE 
COMPANIES. 



Detailed Statement of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year Ending 

December 31, 1891. 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES, 



".ETNA LIFE INSURANCE COMPANY," HARTFORD, CONN. 
[accident department] 

Special Guarantee Fund, $50,000. 

Morgan G. Bulkeley, President. Joel L. English, Secretary. 

Income. 

Total premium income, $39,806 15 

Special guarantee fund, 50,000 00 



Total income, $89,806 15 

Disbursements. 

Cash paid for losses, $4,030 16 

for commissions to agents, 9,500 78 

for salaries and travelling expenses of agents, . 1,188 20 

for medical examiner's fees, 9 00 

for salaries of officers and office employees, . . 2,652 35 

for taxes and fees, 73 73 

Cash advanced to agents, 51 44 

paid for furniture and office fixtures, .... 50 72 

paid for advertising and incidentals, .... 5,356 22 

Total disbursements, $22,912 60 

Balance, $66,893 55 

Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgage of real estate (first liens), . . . $10,000 00 

Cash in company's office, 186 33 

Cash deposited in bank, 56,757 22 

Ledger assets (as per balance), ..... $66,893 do 



194 ACCIDENT AND GUARANTEE [Dec. 31, 

Other Assets. 
Interest accrued, |S0 00 

Total assets per company's books, $66,973 55 

Liabilities. 
Premium reserve on account of accident risks outstanding 

Dec. 31, 1891 $18,861 20 

Deduct reserve on re-insured risks, 110 00 

Xet re-insurance reserve, $18,751 20 

Death losses and indemnity claims in process oi adjustment, 10,4 

. Liabilities as to policy-holders, $29,209 

Surplus as regards policy-holders, 37,764 49 

Exhibit of Policies. 

Number. Amount. 

Accident policies written during the year, . . j 00 

Number. Amount. 

Terminated by death, . 1 $10,000 00 

Terminated by expiry, . 359 1,059,900 00 

360 1,069,900 00 

Policies in force Dec. 31, 1891, 2,555 $7,217,800 00 

Massachusetts Business. 

Amount. 

Accident risks written during the year, 

Premiums received, 1,51- 

Losses paid, 30 

Losses incurred, 30 00 



" AMERICAN CASUALTY INSURANCE AND SECURITY COMPANY 
OF BALTIMORE CITY," BALTIMORE. MD. 

[Incorporated Jan. 15, 1S90. Commenced business June 14, 1S90.] 
Paid-up Capital, $1,000,000. 

YVm. E. Midgley, President. J. J. Jaci :rdary. 

Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

United States bonds, £350,000 00 £413,000 00 

Baltimore city bonds, 458,500 00 461.30: 

Baltimore Belt Railroad bonds, . . . 50,000 00 61,125 



1891.] INSURANCE COMPANIES. 195 

Par Value. Market Value. 

Danville, Va , city bonds, $25,000 00 $26,500 00 

Chatham National Bank, New York, stock, . 9,550 00 40,587 50 

St. Nicholas National Bank, New York, stock, 27,500 00 35,750 00 



$920,550 00 $1,028,355 00 



Securities held as collateral for cash loans : — 



Market Value. Loaned Thereon. 

1048 shares Am. Steam Boiler Insurance Co , $104,800 00 $73,078 33 
130 shares Broadway National Bank, N. Y., . 8,450 00 6,000 00 



$113,250 00 $79,078 33 



Summary of Assets Dec, 31, 1891. 
Loans on mortgage of real estate (first liens*), $11,000 00 
Interest due or accrued thereon, . . . 176 62 



Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Due for re-insurance, .... 
Premiums more than 3 months due, $1,148 81 

Gross assets, 

Deduct special deposits in other States, . 



1,028,355 00 

79,078 33 

2,652 53 

443,970 19 

21,863 46 

577,329 34 

44,173 60 



$2,208,599 07 
56,000 00 



Balance, $2,152,599 07 

Liabilities. 

Losses adjusted, unpaid, $10,459 30 

claimed and reported, .... 64,457 31 

disputed or resisted, .... 12,670 28 

Unearned premiums on outstanding risks, . 864,732 18 

Commissions and brokerage, .... 97,999 51 



Gross liabilities, except capital, . . $1,050,318 58 
Deduct liability on special deposits, . . 9,087 47 



1,041,231 11 



Surplus as regards policy-holders, $1,111,367 96 

Paid-up capital, 1,000,000 00 






Surplus over capital, $111,367 96 

> • 

* Value of lands mortgaged $10,150 00 

Value of buildings thereon 10,850 00 

Amount of insurance held as collateral 10,850 00 



196 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 

Premiums outstanding Dec. 31, 1890, . . $205,416 90 
Premiums on risks written or renewed, . . 2,102,757 56 



Total, $2,308,174 46 

Premiums now in course of collection, . . 577,329 34 

Entire premiums collected, .... $1,730,845 12 
Less re-insurance and return premiums, . . 420,871 85 

Net casli premiums received, . . . 

Interest and dividends received from all other sources, . 
Income from re-insurance, 



$1,303,973 27 
30,640 57 
36,500 00 



Gross cash income, $1,371,113 84 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for rent and incidentals, . 

Gross cash expenditures, .... 

Risks and Premiums. 



Risks outstanding Dec 31, 1890, 
Risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, 



.£83,812,963 
. 307,227,889 



$317,302 03 

100,000 00 

434,660 80 

65,200 57 

19,594 

265,140 35 

. $1,201,898 60 



Premiums. 

00 $334,846 13 
00 2,102,757 



$391,040,852 
128,149,581 



00 $2,437,603 99 
00 786,840 40 



$262,891,271 00 $1,650,763 53 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year (10 per cent ), 
Company's stock owned by directors, .... 

Massachusetts Business. 

Risks written during the year, ...... 

Premiums received, 

Losses paid, 

Losses incurred, 



$1,556,148 00 
330,975 00 
394,889 00 
100,000 00 
100,000 00 
266,510 00 



$27,248,245 00 

432,786 95 

17,844 86 

27,355 15 



1891.] 



INSURANCE COMPANIES. 



197 



"THE AMERICAN EMPLOYERS 1 LIABILITY INSURANCE 
COMPANY," JERSEY CITY, N. J. 

[Incorporated May, 1890. Commenced business May, 1890.] 

Paid-up Capital, $200,000. 

Jonathan H. Crane, President. JoHtf Macrae, Secretary, 



Detailed Statement of Stocks and Bonds. 



New York City bonds, 
New Jersey State bonds, . 
Richmond city bonds, 
Jersey City water loan, 



Securities held as collateral for cash loans : — 
24 shares National Park Bank, N. Y., 



ar Value, 

$40,000 00 
35,000 00 
10,000 00 
10,000 00 



Market Value. 

$40,000 00 
40,993 75 
13,200 00 
10,525 00 



f95,000 00 $104,718 75 



Market Value. Loaned Thereon. 

$7,200 00 $5,000 00 



Summary of Assets Dec. 31, 1890. 



Loans on mortgage of real estate (first liens*) 

Interest due or accrued thereon, 

Stocks and bonds, as per schedule, . 

Loans on collateral security, as per schedule, 

Cash in the office of the company, . , 

Cash deposited in bank, .... 

Interest due and accrued, .... 

Premiums in course of collection (gross), 

Notes taken for premiums, 

Premiums more than 3 months due, $2,611 75 

Gross assets, 

Deduct special deposits in other States, . 



$125,000 00 

1,258 66 

104,718 75 

5,000 00 

6,802 89 

17,072 78 

1,760 83 

80,981 45 

335 00 



$342,930 36 
13,200 00 



Balance, $329,730 36 



Liabilities. 
Net amount of unpaid losses, .... $1,362 95 

Unearned premiums on outstanding risks, . 118,412 31 



* Value of lands mortgaged, $176,000 00 

Value of buildings thereon, 173,000 00 

Amount of insurance held as collateral 131,500 00 



198 



ACCIDENT AND GUARANTEE [Dec. 31, 



Due; and accrued for rent, salaries, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 

Impairment of capital, 

Income 

Premiums outstanding Dec. 31, 1890, 
Same not collected, .... 

Net collected, .... 
Premiums on risks written or renewed, 

Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from premiums on increased capital, 

Received for increased capital,. $50,000 00 



$1,000 00 
10,567 00 

$131,342 26 
1,174 15 



- $130,168 11 

. $199,562 25 

200,000 00 

$437 75 



Gross cash income, 



$20,174 79 
4,428 10 

815,746 69 
258,875 78 

$274,622 47 
83,593 20 

$191,029 27 
3,214 33 



sources, 



$187,814 94 
2,293 93 
4,828 03 
2,500 00 



$197,436 90 



Expenditures. 

Cash paid for losses, 

Cash dividends paid stockholders, . 

Cash dividends paid policy-holders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 
for State and local taxes, 
for rent and incidentals, . 

Gross cash expenditures, .... 



$46,016 95 

4,500 00 

1,337 15 

41,251 72 

20,595 43 

2,958 51 

31,553 23 

$148,212 99 



Risks and Premium s. 

Premiums 

Risks outstanding Dec. 31, 1890, . . .$11,635,000 00 $43,766 99 
Risks written during 1891, .... 55,265,000 00 258,875 68 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . . . 



. $66,900,000 00 $302,642 67 
. 14,642,000 00 65,818 05 



. $52,258,000 00 $236,824 62 



1891.] 



INSURANCE COMPANIES. 



1!» ( J 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid f rom.organization of company, . 

Losses incurred during the year, 

Cash dividends declared from organization of eompafly, 
Dividends declared during the year, .... 
Company's stock owned by directors, . 

Massachusetts Business. 

Risks written during the year, 

Premiums received, ........ 

Lossts paid, 

Losses incurred, 



J309 f 559 00 
48,320 00 
46,017 00 

4,500 00. 

4,500 00 
77,800 00 



17,593,000 00 

35,205 23 

2,985 82 



AMERICAN MUTUAL LIABILITY INSURANCE COMPANY, 

BOSTON. 

[Incorporated March 30, 1887. Commenced business Oct. 1, 1887.] 

Wm. C. Lovering, President. Sydney A. Williams, Secretary. 

Office, 30 Kilby Street. 
Detailed Statement of Stocks, Bonds, etc. 

Par Value. 

$5,000 00 



Old Colony Railroad bonds, 
Boston & Lowell Railroad bonds, 
Burlington & Missouri Railroad bonds, . 
Boston & Albany Railroad bonds, . 
Chic, Burlington & Quincy Railroad bonds, 
Corporation notes, 



5,000 00 

5,000 00 

2,000 00 

16,000 00 

80,000 00 



Market Value. 

85,125 00 

4,875 00 

4,350 00 

2,002 50 

15,222 50 

80,000 00 



1113,000 00 $111,575 00 



Summary of Assets Dec. 31, 1891 



Stocks, bonds, etc , as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Interest due and accrued, .... 
Rents due and accrued, .... 

Furniture, etc , $600 00 

Gross assets, 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 

Rents accrued, 

Gross liabilities, .... 

Net cash assets, 



$111,575 00 

5 70 

7,548 52 

2,685 22 

1,327 04 

50 00 



$123,191 48 



$5,000 00 

G3,090 08 

225 00 



68,315 08 

$54,87G 40 



200 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 



Net cash premiums received, . 
Received for interest from all sources, . 

for rents, 

from all other sources, 



$129,301 69 

888 77 

$128,412 82 

5,398 9G 

200 00 

100 00 



Gross cash income, $134,111 78 



Expenditures. 

Paid for losses during the year, .... 
for salaries and fees of officers and employees, 
for State and local taxes, .... 

for rents, 

for profits or surplus on terminated policies, 
for cost of inspection, .... 
for incidental expenses, .... 



|71 t 461 60 

10,650 04 

1,291 63 

900 00 

39,455 09 
3,650 04 
2,980 19 



Gross cash expenditures, . . . . . . $130,388 59 



Miscellaneous. 



Contingent 
Cash Premiums. Premiums. 



Amount. 

Risks outstanding Dec 31, 1890, $48,473,000 00 $124,508 39 $622,541 95 
Risks written during 1891, . 49,867,000 00 127,680 17 638,400 85 



Total § 98,340,000 00 $252,188 56 $1,200,94- 

Risks terminated during 1891, . 48,993,000 00 120,008 39 630,041 95 



In force at end of year, . . $49,347,000 00 $126,180 17 ?630,900 So 

Losses incurred during the year, $76,462 00 

Percentage of profits or surplus returned during 1891, 30 8 per cent. 
Average rate to date, 44 5 per cent. 



Massachusetts Business 



Risks written during the year, 
Premiums received (cash), 
Contingent premiums, 
Losses paid, 
Losses incurred, 



$C6,454,000 00 

91,160 63 

455,803 15 

59,752 03 

63,300 00 



1891.] 



INSURANCE COMPANIES. 



201 



"AMERICAN SURETY COMPANY OF NEW YORK, 1 ' 
NEW YORK, N. Y. 

[Incorporated April 14, 1884. Commenced business April 15, 1884.] 

Paid-up Capital, $1,000,000. 

Wm. L Tkenholm, President. S. S. Colville, Treasurer. 

Detailed Statement of Stocks and Boxds. 

Par Value. Market Value. 

United States bonds, $250,000 00 $292,500 00 

New York City bonds, 103,500 00 103,500 00 

Western Union Telegraph Company stock, . 130,000 00 109,525 00 

State Trust Company, New York, stock, . . 237,600 00 392,040 00 

Missouri, Kansas & Texas Railroad bonds, . 50,000 00 39,875 00 

Delaware, Lack & Western Railroad stock, . 10,000 00 13,925 00 

Toledo, St. Louis & Kansas City R R. cert , . 214,182 10 214,182 10 



Securities held as collateral for cash loans : 
Hazard-Hazard Company stock, 

Summary of Assets Dec 

Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first liens*) 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Rents-due and accrued, .... 

Gross assets, 

Deduct special deposits in other States, . 



$995,282 10 § 1,165,547 10 



Market Value. Loaned Thereon. 

$35,000 00 $18,557 80 

31, 1891. 

$207,021 94 

5,021 24 

1,165,547 10 

18,557 80 

1,105 71 

65,271 42 

9,942 33 

31,694 64 

1,475 33 

$1,505,637 51 

86,412 50 



Balance, $1,419,225 01 



Liabilities. 



Claims in process of adjustment, 
Claims disputed or resisted, 



$81,910 36 
16,200 40 



* Value of lands mortgaged, $1,800 00 

Value of buildings thereon, 6,000 00 

Amount of insurance held as collateral, .... 5,000 00 



202 



ACCIDENT AND GUARANTEE [Dec. 31, 



Unearned premiums on outstanding risks, . $236,780 56 

Commissions and brokerage, .... 1,189 23 

Gross liabilities, except capital, . . $336,080 55 

Deduct liability on special deposits, . . 5,000 00 



$331,080 55 



Surplus as regards policy-holders, $ 1,088,144 46 

raid-up capital, 1,000,000 00 



Surplus over capital, §88,144 46 



Income. 

Premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less transfers and return premiums, 

Net cash premiums received, .... 

Interest and dividends received from all sources, . 
Income from rents, 



§46,359 13 
499,144 10 

£545,503 23 
47,224 13 

$498,279 10 
54,849 68 



$443,429 42 

36,668 29 

9,512 78 



Gross cash income, §489,610 49 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for Stale and local taxes, 

for incidentals, 



$162,454 84 
34,081 50 



^128,373 34 
60,000 00 
28,817 93 
a 2S 
15,438 24 
56,*393 34 



Gross cash expenditures, §397,764 08 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec 31, 1890, . . .$73,883,359 00 $441,145 03 
Risks written during 1891, . . . . 92,334,793 00 499,144 10 



Total 

Deduct risks expired and terminated, 



§166,218,152 00 $940,289 13 
. 83,863,991 00 466,728 01 



In force at end of year, . 



.$82,354,161 00 $473,561 12 



1891.] 



INSURANCE COMPANIES. 



203 



Miscellaneous. 
Premiums received from organization of company, 
Claims paid from organization of company, . 

Losses incurred during the year, 

Cash dividends declared £rom organization of company, 
Dividends declared during the year (6 per cent.), . 
Company's stock owned by directors, .... 

Massachusetts Business. 

Risks written during the year, 

Premiums received, 

Claims paid, 

Claims incurred, 



►,206,753 00 
590,228 00 
188,868 00 
300,000 00 
60,000 00 
423,050 00 



1,463,461 00 

34,154 51 

985 98 

985 98 



CONVEYANCERS 1 TITLE INSURANCE COMPANY, BOSTON. 

[Incorporated Jan. 31, 1889. Commenced business March 18, 1889.] 
Paid-up Capital, $200,000. 

Frederick C. Bowditch, President. James R. Carret, Secretary. 

Henry H. Edes, Treasurer and Manager. 

Office, 28 State Street. 



Detailed Statement of Stocks. 

Par Value. 

100 shares Boston National Bank, . . . $10,000 00 

100 •• Third National Bank, . . . 10,000 00 

100 " National Bank of Commerce, . . 10,000 00 

50 " State National Bank, . . . 5,000 00 



Market Value, 

$ 10,925 00 

10,200 00 

12,700 00 

6,062 50 



55,000 00 $39,887 50 



Summary of Assets Dec 31, 1891. 



Loans on mortgage of real estate (first liens) 

Stocks, as per schedule, . 

Cash in the office of the company, . 

Cash deposited in bank, . 

Gross assets, .... 

Liabilities. 
Profit and loss account (accumulated profits), 
Gross liabilities, except capital, 



$ 172,840 00 

39,887 50 

236 81 

4,323 22 



$20,101 53 



$217,287 53 



$20,101 53 



Income. 



Net cash premiums received, 
Received from forfeits, . 



$5,663 00 
635 00 



204 ACCIDENT AND GUARANTEE [Dec. 31, 

Received from question fees, $160 00 

from searches, ,60 

from commissions (net), 9,567 02 

Interest and dividends received from all sources (net), . 8,771 7<» 

Taxes refunded, 418 33 

Notes receivable (net), 

Miscellaneous, 1,125 00 

Gross cash income, $28,391 65 



EXPENDITURES. 

Cash dividends No. 2 and 3 paid, f8,000 00 

Cash paid for salaries of officers and employees, . . . 6,01 

for counsel fees, 2,073 91 

for experts' fees, 968 50 

for advertising, 372 42 

for decisions, 122 50 

for State taxes, 41> 

for general expenses and incidentals, . . . 3,318 53 

National Bank stock bought, $2,419 50 



Gross cash expenditures, f 21,289 19 

Miscellaneous. 

Amount of policies issued during the year, .... $1,662,25 
Amount of mortgages bought during the year, 

Amount of mortgages sold during the year, .... 657,100 00 
Capital stock, at par, owned by the directors (30^ per cent.), 60,500 00 



UNITED STATES BRANCH OF "THE EMPLOYERS" LIABILITY 
ASSURANCE CORPORATION, LIMITED," LONDON, ENG. 

Deposit Capital, $400,000. 

.Exdicott & Macombek, Attorneys. 

Office, 71 Kilby Street, Boston. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

New York Central & Hudson Riv. R.R. bonds, $20,000 00 $25,000 00 

Atchison Railroad bonds, 29,000 00 22,762 50 

Fitchburg Railroad bonds 50,000 00 52,650 00 

Old Colony Railroad bonds, .... 42,000 00 44,230 00 

Baltimore & Ohio Railroad bonds, . . . 26,000 00 27,300 00 



1891.] 



INSURANCE COMPANIES. 



205 



Boston & Lowell Railroad bonds, . 

Leeds & Farmington Railroad bonds, 

New York & New England Railroad bonds, 

Town of Andover bonds, .... 

Town of Canton bonds, .... 

Toledo Board of Education bonds, . 

City of Boston bonds, .... 

Town of Danville, Illinois, bonds, . 

Attleboro\ N. Attle. & Wrentham R.R. bonds 

City of Los Angeles bonds, 

Eastern Railroad bonds, .... 

Oregon Navigation Company bonds, 

Pennsylvania Railroad bonds, . 

Maine Central Railroad bonds, 

Boston, Clinton & Fitchburg Railroad bonds, 

Fall River Railroad bonds, 

United States bonds, 

Dexter & Piscataquis Railroad bonds, 

Lynn city bonds, 

Aroostook County bonds, . 



Par Value. 

$17,000 00 

18,000 00 

5,000 00 

60,000 00 

5,000 00 

5,000 00 

86,000 00 

5,000 00 

5,000 00 

25,000 00 

21,059 45 

30,000 00 

5,000 00 

7,000 00 

1,000 00 

7,000 00 

200,000 00 

50,000 00 

50,000 00 

5,000 00 



Market Value. 

$17,300 00 

19,350 00 

5,600 00 

61,500 00 

5,137 50 

5,287 50 

82,560 00 

5,250 00 

5,100 00 

25,295 00 

25,482 30 

33,600 00 

5,650 00 

8,020 00 

1,145 00 

7,175 00 

233,500 00 

50,000 00 

51,375 00 

5,000 00 



$774,059 45 $825,269 80 



Summary of Assets Dec. 31, 1891. 



Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Gross assets, 



$825,269 80 

369 40 

67,683 86 

12,327 09 

213,522 23 



$1,119,172 38 



Unadmitted. 



Cash not in control of trustees, 



5,361 87 



Balance, $1,113,810 51 



Liabilities. 
Amount of unpaid losses, .... 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Deposit capital, 



$237,210 00 

419,097 35 

30,000 00 



686,307 35 

$427,503 16 
400,000 00 



Surplus over capital, $27,503 16 



200 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 

Premiums outstanding Dec. 31, 1890, . . $161,260 29 
Premiums on risks written or renewed, . . 874,574 83 



Total, $1,035,835 12 

Premiums now in course of collection, . . 213,522 23 

Entire premiums collected, .... 

Interest and dividends received from all sources, . 



$822,312 89 
36,000 50 



Gross cash income, $858,319 39 



Expenditures. 

Cash paid for losses, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 
All other expenditures, 



Gross cash expenditures, . 



$138,418 33 

183,180 10 

76,095 76 

18,273 37 

104,131 66 

$820,099 22 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1890, . . $132,888,91100 $830,296 08 
Risks written during 1891, . . . 361,348,723 00 1,654,326 40 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



$494,237,634 00 $2,484,622 48 
311,426,236 00 1,654,572 96 



$182,811,398 00 §830,049 52 



Miscellaneous. 

Premiums received in United States since admission, 
Losses paid in United States since admission, . 
Losses incurred during the year, .... 



$2,805,750 00 

1,173,022 00 

520,803 00 



Massachusetts Business 

Risks written during the year, .... 

Premiums received, 

Losses paid, 

Losses incurred, 



$40,629,669 00 

345,181 00 

151,470 00 

81,690 00 



1891.] 



INSURANCE COMPANIES. 



207 



"THE FIDELITY AND CASUALTY COMPANY OF NEW YORK/ 1 

NEW YORK, N. Y. 

[Incorporated March 20, 1876. Commenced business May 1, 1876.] 

Paid-up Capital, $250,000. 

Wm, M. Richards, President. Robert J. IIillas, Secretary. 



Detailed Statement of Stocks and Bonds. 

Tar Value. Market Value. 

United States bonds, $150,000 00 $174,375 00 

Union Pacific Railway bonds, . . . . 54,000 00 51,300 00 

State of Indiana bonds, 50,000 00 49,000 00 

Chicago, Rock Island & Pacific R R. bonds, . 50,000 00 51,625 00 

"Western Union Telegraph Company bonds, . 25,000 00 25,250 00 

Central Ohio Railroad bonds, .... 25,000 00 25,312 50 

Wabash Railroad bonds, 25,000 00 25,812 50 

Cinn , Ind , St. Louis & Chicago R'y bonds, . 25,000 00 23,000 00 

Central Railroad of New Jersey bonds, . . 25,000 00 27,875 00 

Lake Erie & Western Railroad bonds, . . 25,000 00 27,187 50 

Brooklyn & Montauk Railroad bonds, . . 25,000 00 26,875 00 

West Shore Railroad bonds, .... 25,000 00 26,000 00 

Pittsburgh, Cleveland & Toledo R.R. bonds, . 25,000 00 27,500 00 

Canada Southern Railway bonds, . . . 25,000 00 27,000 00 

Chesapeake & Ohio Railway bonds, . . 10,000 00 11,250 00 

Kings County Elevated Railway bonds, . . 10,000 00 10,050 00 

Rio Grande Western Railway bonds, . . 10,000 00 8,037 50 

City of New York bonds, 100,000 00 97,000 00 

City of Richmond, Va., bonds, .... 12,500 00 12,500 00 

350 shares New York, Lack. & Western R R., 35,000 00 37,800 00 

Pittsburgh, McKeesport & Youg , . 25,000 00 30,250 00 

Pennsylvania Railroad, . . . 25,000 00 28,562 50 

Morris & Essex Extension R R , . 20,000 00 20,000 00 

United New Jersey Railroad, . . 20,000 00 45,100 00 

Rome, Watertown & Ogdens. RR., 10,000 00 11,175 00 

St Paul & Duluth Railroad, . . 20,000 00 20,800 00 

N. Y. Central & Hudson R. R R , . 10,000 00 11,637 50 

Consolidated Gas Co of N. York, . 20,000 00 20,850 00 

C, C, C. & St. Louis, . . . 20,000 00 19,350 00 



5001 

500 

200 

200 

100 

200 

100 

200 

200 



$901,500 00 $972,475 00 



Securities held as collateral for cash loans : — 

100 shares Gold & Stock Telegraph Company, 
Clark County, Va , bonds, .... 



Market Value. Loaned Thereon. 

$10,000 00 $8,710 00 
6,200 00 4,500 00 



208 



ACCIDENT AND GUARANTEE [Dec. 31, 



St. Paul & Duluth Railroad bonds, . 
Third Avenue Railroad bonds, . 
St. Paul & Sioux City Railroad bonds, 
150 shares Wor., Leicester & Spencer St. R'y 
20 " Second Nat. Bank of Boston, 
200 " Western Union Telegraph Co 
200 " C , C , C. & St. Louis R.R , 
E. T. Valley & Georgia Railroad bonds, 
Louisville Southern Railroad bonds, 
300 shares Consolidated Gas Co., New York, 
25 shares Western Union Telegraph Co., 



Market Valoe. 

$lo,200 00' 
13,560 00 

8,575 00. 
18,750 00 

3,600 00 
16,750 00 
H,150 00 
56,800 00 
10,500 00 
31,275 00 

2,093 75 



l\ 



Loaned Thereon. 

• $25,000 00 

15,000 00 
25,000 00 
50,000 00 
25,000 00 



1202,453 75 $153,210 00 



Summary of Assets Dec. 31, 1891. 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 

( Fidelity, . 
Premiums in course of j Plate-glass, 
collection (gross), i Steam-boiler, . 

^ Accident, . 

Plate-glass on hand, 

Miscellaneous, 

Gross assets, 

Deduct special deposit in Virginia, . 



$10,500 00 

5,933 32 

55 00 

972,475 00 

153,210 00 

28,247 08 

93,123 77 

2,802 38 

17,319 55 

26,014 40 

17,809 90 

243,228 22 

5,000 00 

11,348 78 



$1,587,067 40 
12,500 00 



Balance, $1,574,567 40 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 

f Fidelity, . 
Unearned premiums on j Accident, . 
outstanding risks, , Plate-glass, 

^Steam-boiler, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 



$94,945 34 

43,706 81 

119,726 38 

625,938 26 

117,372 94 

82,688 74 

15,852 26 

1,079 03 



1891.] 



INSURANCE COMPANIES. 



209 



Commissions and brokerage, . 
Re-insurance, 

Gross liabilities, except capital, 
Deduct liability on special deposits, 



Surplus as regards policy-holders, 
Paid-up capital, 



$87,480 77 
2,940 43 

$1,191,730 96 
12,500 00 



$ 1,179,230 96 

$395,336 44 
250,000 00 



Surplus over capital, $145,336 44 



Income. 

Cash received for fidelity risks, 
Deduct re-insurance and return premiums, 
Net cash received for fidelity risks, • 
Cash received for accident risks, 
Deduct re-insurance and return premiums, 
Net cash received for accident risks, 
Cash received for plate-glass risks, . 
Deduct re-insurance and return premiums, 
Net cash received for plate-glass risks, . 
Cash received for boiler risks, . 
Deduct re-insurance and return premiums, 
Net cash received for boiler risks, . 
Cash received for interest, 

Gross cash income, .... 



$254,877 94 
31,889 66 

$1,357,899 73 
59,138 2b 



$240,755 74 
6,344 28 

$115,124 13 
5,951 56 



$222,988 28 



1,298,761 47 



234,411 46 



109,172 57 
40,265 45 



. $1,905,599 23 



Expenditures. 

Cash paid for fidelity claims, .... $84,444 09 
Deduct amount recovered, .... 33,919 40 

Net cash paid for fidelity claims, . , . $50,524 69 

Cash paid for accident claims, .... $535,684 59 
Deduct rebate and re-insurance, . . . 3,540 65 

Net cash paid for accident claims, . . . 532,143 94 

Cash paid for plate-glass claims, . . . $95,997 19 
Deduct salvage and re-insurance, . . . 8,825 21 

Net cash paid for plate-glass claims, . . 87,171 98 

Cash paid for steam-boiler claims, 9,867 18 

Cash dividends paid, 20,000 00 

Cash paid for commissions and brokerage, .... 515,960 86 
for salaries of officers and employees, . . . 212,828 84 

for State and local taxes, 30,771 95 

for incidentals, 219,737 03 



Gross cash expenditures, 



$1,679,006 47 



210 ACCIDENT AND GUARANTEE [Dec. 31, 

Risks and Premiums. 

Premiums, 

Fidelity risks in force Dec. 31, 1890, . . $33,622,394 00 $218,708 90 
Fidelity risks written or renewed during 1891, 38,538,094 00 242,646 04 



Total, $72,160,488 00 $461,354 94 

Deduct expirations and cancellations, . . 36,385,099 00 221,902 19 



In force Dec. 31, 1891, $35,775,389 00 $239,452 75 

Accident risks in force Dec. 31, 1890, . $162,076,600 00 $1,195,665 35 
Accident risks written or renewed during 1891, 179,317,217 00 1,365,557 53 



Total, $341,393,817 00 $2,561,222 88 

Deduct expirations and cancellations, . . 168,582,583 00 1,315,704 17 



In force Dec. 31, 1891, .... $172,811,234 00 $1,245,518 71 

Plate-glass risks in force Dec. 31, 1890, . . $7,623,287 00 $214,730 54 
Plate-glass risks written or renewed during 

1891, 8,182,849 00 237,956 74 



Total, $15,806,136 00 $452,687 28 

Deduct expirations and cancellations, . . 7,712,182 00 217,994 50 



In force Dec. 31,1891, $8,093,954 00 $234,692 78 

Steam-boiler risks in force Dec. 31, 1890, . $23,898,271 00 $130,029 74 
Steam-boiler risks written or renewed during 

1891, 26,858,310 00 118,436 18 



Total, $50,756,581 00 $248,465 92 

Deduct expirations and cancellations, . . 20,826,888 00 97,11194 



In force Dec. 31, 1891 $29,929,693 00 $151,353 98 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Cash dividends declared from organization of company 
Company's stock owned by directors, 



$8,168,260 00 

2,920,818 00 

715,775 00 

1-2.500 00 

98,300 00 



Massachusetts Business. 

Fidelity. Accident 

Premiums received, $18,943 61 $28,377 90 

Losses incurred, 1,597 89 24,301 14 

Losses paid 1,597 89 23,394 72 

Amount at risk, 3,622,450 00 5,822,450 00 



1891.] 



INSURANCE COMPANIES. 



211 



UNITED STATES BRANCH OF "THE GUARANTEE COMPA2TT 
OF NORTH AMERICA," MONTREAL, CAN. 



Deposit Capital, $200,000. 



Alexander T. Galt, President. 



Robert Kerr, Accountant. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

$100,000 00 

15,000 00 

10,000 00 

100,000 00 

17,000 00 

139,600 00 

6,100 00 



United States bonds, 
Richmond, Va , city bonds, 
Toronto city bonds, . 
Brooklyn city bonds, 
Montreal Harbor bonds, . 
United States Guarantee Co. stock, 
L. E. & St. L. Railway stock, . 



Market Value 

f 117,400 00 

15,380 00 

11,500 00 

102,000 00 

19,840 00 

139,600 00 

3,660 00 



Summary op Assets Dec. 

Cash value of unencumbered real estate, 
Loans on mortgage of real estate (lirst liens) 
Stocks and bonds, as per schedule, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Office property, 

Gross assets, 



$387,700 00 $409,380 00 

31, 1891. 

$23,291 35 

4,616 80 

409,380 00 

63,082 15 

3,210 00 

27,350 62 

2,778 95 



Special deposit in Virginia, 
Real estate, . . "j 
Mortgages, . 
Stocks and bonds 
Cash, . 
Furniture, . 



Unadmitted. 



I not being in control of J 
trustees, . . . J 



I 



$15,380 00 
23,291 35 

4,616 80 
49,500 00 
63,082 15 

2,778 95 



$533,709 87 



158,649 25 



Balance, $375,060 62 



Liabilities. 

Losses claimed and reported, . 
Losses disputed or resisted, 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Deposit capital, 

Surplus over capital, . 



$26,057 87 
13,500 00 
88,936 04 
10,837 86 

$139,331 77 
2,262 38 



137,069 39 

$237,991 23 

200,000 00 

$37,991 23 



212 



ACCIDENT AND GUARANTEE [Dec. 31, 



Income. 
Premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 

Total 

Premiums now in course of collection, 



Entire premiums collected, 

Less re-insurauce and return premiums, 

Net cash premiums received, . 

Interest and dividends received from all sources, 

Claims recovered, .... 



Gross cash income, 



$30,651 81 

212,161 23 

i 04 

27,350 62 

$215,462 42 

42,742 13 



$172,720 29 

8,123 02 

29,547 97 

$210,391 28 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

Net cash paid for losses, 

sh dividends paid. 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, . 

for taxes and rent, 

for inspections, 

for incidentals, 



$107,695 51 
"A 60 



Gross cash expenditures, .... 

Risks and Premiums. 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 

Total, 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$38,850,437 00 
. 43,503,792 00 

. $82,354,229 00 
. 42,307,260 00 



$102,040 91 
7,017 00 
3,951 84 
21,480 30 
11,728 > 
24,057 32 
16,184 07 

$186,455 22 



Premiums. 

$225,149 24 

212,161 23 

?437,310 47 
230,074 10 



. $40,046,969 00 
. 5,394,200 00 



$207,236 37 
29,364 30 



.834.652,769 00 fl77.^ 



Miscellaneous. 
Losses incurred during the year, . 

Massachusit:s Business. 

Risk? written during the year, 

Premiums received, 

s paid, 

Losses incurred, 



$110,525 00 



$4,238,500 00 

21,762 00 

3,558 00 

3,558 00 



1891.] 



INSURANCE COMPANIES. 



213 



"THE HARTFORD STEAM BOILER INSPECTION AND INSUR- 
ANCE COMPANY," HARTFORD, CONN. 

[Incorporated June, 1866. Commenced business October, 1866.] 
Paid-up. Capital, $500,000. 

J. M. Allen, President. J. B. Pierce, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

State of Connecticut bonds, .... $100,000 00 $110,000 00 

United States bonds, 2,000 00 2,340 00 

Wooster, Ohio, city bonds, .... 10,000 00 10,800 00 

Atchison,. Kansas, city bonds; .... 15,00000 16,20000 

Solomon, Kansas, city bonds, .... 5,000 00 5,500 00 

Hutchinson, Kansas, city bonds, . . . 12,000 00 12,600 00 

Cullison, Kansas, city bonds, .... 6,500 00 7,150 00 

Kansas City, Kansas, city bonds, . . . 10,000 00 10,500 00 

Kansas City, Kansas, city bonds, . . . 7,500 00 7,875 00 

Coolidge, Kansas, city bonds, .... 10,00000 11,00000 

Leavenworth, Kansas, city bonds, . . * . 4,000 00 4,200 00 

Horton, Kansas, city bonds 12,000 00 12,960 00 

Evansville, Indiana, city bonds, . . . 12,000 00 12,000 00 

Council Bluffs, Iowa, city bonds, . . . 10,000 00 10,800 00 

Winfield, Kansas, city bonds, .... 10,000 00 10,500 00 

Oberlin, Kansas, city bonds, .... 5,000 00 5,250 00 

Medicine Lodge, Kansas, city bonds, . . 5,000 00 5,400 00 

York, Nebraska, city bonds, .... 10,000 00 10,500 00 

Columbus, Nebraska, city bonds, . . . 10,000 00 10,100 00 

Trinidad, Colorado, city bonds, . . . 5,000 00 5,200 00 

Gladstone, Michigan, city bonds, . . . 10,000 00 10,500 00 

Gladwin, Michigan, city bonds, . . . 7,000 00 7,700 00 

Albina, Oregon, city bonds 10,000 00 11,200 00 

Wheeling, West Virginia, city bonds, . . 10,000 00 11,300 00 

Huntington, West Virginia, city bonds, . . 10,000 00 10,600 00 

Richmond, Virginia, city bonds, . . . 25,000 00 25,000 00 

Roanoke, Virginia, city bonds, .... 5,000 CO 5,175 00 

Fort Worth, Texas, city bonds, . . . 10,000 00 10,000 00 

Dallas, Texas, city bonds, .... 10,000 00 10,300 00 

Abilene, Kansas, Board of Education bonds, . 11,000 00 11,550 00 

Anthony, Kansas, Board of Education bonds, . 12,500 00 13,750 00 

Madrid, Iowa, school district bonds, . . . 2,500 00 2,575 00 

Nebraska school district bonds, . . . 11,330 00 11,330 00 

Kansas school district bonds, .... 16,435 00 16,435 00 

Colorado school district bonds, .... 10,000 00 10,000 00 

Mason & Tazewell Drainage District, 111, bonds, 13,200 00 13,860 00 

Lake Fork Drainage District, 111., bonds, . 12,333 18 12,333 18 

W. C. Special Drainage District, 111., bonds, . 10,000 00 10,500 00 



214 



ACCIDENT AND GUARANTEE [Dec. 31, 



Big Slough Drainage District, 111 , bonds, 
Arizona Improvement Co. bonds, 
Oxford, Kansas, township bonds, 
Oswego, Kansas, township bonds, 
Jefferson, Kansas, township bonds, 
Reno, Kansas, township bonds, 
Dexter, Kansas, township bonds, 
Haskell, Kansas, township bonds, 
Albion, Nebraska, village bonds, 
Southwestern Irrigation Co , Kansas, bonds, 
Garden City Irrigation Co , Kansas, bonds, 
School Creek Precinct, Clay Co , Neb , bonds, 
Sutton Precinct, Clay Co , Neb , bonds, . 
Lewis Precinct, Clay Co , Neb., bonds, . 
Pawnee County, Kansas, bonds, 
Dickinson County, Kansas, bonds, 
Riley County, Kansas, bonds, . 
Lyon County, Iowa, bonds, 
Cascade County, Montana, bonds, 
St. Louis & Sau Francisco Railway bonds, 
Cincinnati. Dayton & Ironton Railroad bonds 
Kvansville & Richmond Railroad bonds, . 
Dayton & Western Railroad bonds, . 
Mahoning Coal Railroad bonds, 
Cincinnati, Van Wert & Michigan R R bonds 
Chicago, Burlington & Quincy R.R. bonds, 
New York & New England Railroad bonds, 
Indiana & Lake Michigan Railroad bonds, 
Jamaica & Brooklyn Road Company, 
40 shares City Nat. Bank, Hartford, 
100 " Hartford Nat. Bank, Hartford, 
100 " Security Company, Hartford, . 
100 " American Nat. Bank, Hartford, 
71 " Farm. & Mech Nat B'k, Hartford 
43 " .Etna Nat. Bank, Hartford, . 
150 " New York, New Haven & H'd R R 
110 " Chicago, Burl'ton & Quincy R.R , 
100 " Chicago, Milwaukee & St Paul Ry 
100 " Arch , Topeka & Santa Fe R.R., 
110 " Chicago, Rock Island & Pac. Ry, 
100 " Chicago & Northwestern Railway, 



Par Value. 

$15,000 00 

16,000 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

5,000 00 

6,500 00 

5,000 00 

10,000 00 

5,000 00 

5,000 00 

8,000 00 

11,000 00 

15,000 00 

10,000 00 

10,000 00 

8,000 00 

10,000 00 

10,000 00 

10,000 00 

15,000 00 

10,000 00 

12,000 00 

1,100 00 

10,000 00 

K),000 00 

5,000 00 

4,000 00 

10,000 00 

10,000 00 

5,000 00 

7,100 00 

4,300 00 

15,000 00 

11,000 00 

10,000 00 

10,000 00 

11,000 00 

10,000 00 



Market Valne. 

? 15,750 00 
16,800 00 
10,500 00 
10,000 00 
10,500 00 
15,750 00 
10,500 00 
5,500 00 
7,150 00 
5,250 00 
10,000 00 
5,250 00 
5,250 (X 
8,400 (X 
11,550 00 
15,750 00 
10,500 00 
10,000 00 
8,590 00 
10,000 00 
10,000 00 
9,500 00 
17,250 00 
10,500 00 
12,000 00 
1,100 00 
10,200 00 
10,000 00 
5,000 00 
4,200 00 
15,200 00 
15,500 00 
6,900 00 
7,952 00 
5,375 00 
33,750 00 
11,880 00 
12,300 00 
4,500 00 
9,790 00 
14.200 00 



Securities held as collateral for cash loans : — 



$842,298 18 $915,070 18 



Market Value. Loaned Thereon. 

So. Fork Irrigation & Improvement Co. b*ds, . §6,180 00 £5,000 00 



1891.] 



INSURANCE COMPANIES. 



215 



Summary of Assets Dec 
Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, . 
Loans on collateral security, as per schedule, 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Gross assets, 

Deduct special deposits in other States, . 



31, 1891. 

$25,437 07 

379,620 00 

11,532 13 

915,070 18 

5,000 00 

4,138 66 

64,761 16 

15,980 61 

134,895 31 



$1,556,435 12 
25,000 00 



Balance, $1,531,435 12 



Liabilities. 

Losses claimed and reported, .... $11,337 72 

Unearned premiums on outstanding risks, . 944,530 97 

Due and accrued for rent, .... 625 00 

Commissions and brokerage, .... 6,155 33 

Gross liabilities, except capital, . . $962,649 02 

Deduct liability on special deposits, . . 11,220 98 



951,428 04 



Surplus as regards policy-holders, $580,007 08 

Paid-up capital, 500,000 00 



Surplus over capital, $80,007 08 

Income. 

Prem's and inspections omVding Dec. 31, 1890, $127,992 00 
Premiums on risks written or renewed, . . 774,563 22 



Total, $902,555 22 

Premiums now in course of collection, . . 134,895 31 



$767,659 91 
54,782 94 



Entire premiums and inspections collected, 
Less re-insurance and return premiums, . 

Net cash premiums and inspections received, . 

Interest received on mortgages, 

Interest and dividends received from all other sources, . 
Income from special services, 

Gross cash income, 



$712,876 97 

21,262 75 

45,918 05 

1,923 29 

$781,981 06 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, 



$1,173,908 00 

240,745 00 

88,280 00 



216 



ACCIDENT AND GUARANTEE [Dec. 31, 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for inspection expenses, . 

for incidentals, .... 



Gross cash expenditures, 



$69,044 SO 

50,000 00 

170,904 52 

26,433 30 

11,693 34 

214,742 38 

105,737 68 



$648,555 72 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1890, . . $149,598,954 00 $1,553,997 55 



Risks written during 1891, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



. 82,560,577 00 774,563 22 



$232,159,531 00 $2,328,560 77 
. 58,483,623 00 589,188 75 



$173,675,908 00 $1,739,372 02 



Miscellaneous. 
Premiums and inspections received from organization of 

company, $6,702,105 00 

Losses paid from organization of company, .... 527,103 00 

Losses incurred during the year, 69,953 00 

Cash dividends declared from organization of company, . 539,750 00 

Dividends declared during the year (10 per cent.), . . 50,000 00 

Company's stock owned by directors, 138,250 00 

Massachusetts Business. 

Risks written during the year, $9,870.7^,7 00 

Received for premiums and inspections, 97,070 00 

Losses paid, . 478 00 

Losses incurred, 475 00 



"LLOYDS PLATE-GLASS INSURANCE COMPANY OF NEW YORK, 1 ' 

NEW YORK, N. Y. 

[Incorporated August, 1882. Commenced business Sept. 4, 18S2.] 
Paid-up Capital, $250,000. 
J. G. Beemer, President. W. T. Woods, Secretary. 

Detailed Statement of Stocks and Bonds. 

Par Value. Market Value. 

United States bonds, $209,000 00 $248,610 00 

Brooklyn & Coney Island Railroad bonds, . 10,000 00 10,300 00 



1891.] 



INSURANCE COMPANIES. 



217 



Atlantic Avenue Railroad bonds, 
42d St , Manhatville & St. Nich. Ave. R R. bds., 
Chicago & Eastern Illinois Railroad bonds, 
Toledo & Ohio Central Railroad bonds, . 
Second Avenue Railroad bonds, 
Brooklyn Cross-town Railroad bonds, 
Northern Pacific & Montana Railroad bonds, 
Northern Pacific Land Grant Railroad bonds 
Pittsburgh & Western Railroad bonds, . 
Dominion of Canada bonds, 
Pennsylvania Plate Glass Company stock, 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Premiums in course of collection (gross), 
Premiums more than 3 months due, $6,198 82 

Gross assets, 

Deduct special deposits in Canada, . 



Balance, 



Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for plate glass, glazing, etc., 
Commissions and brokerage, . 

Gross liabilities, except capital, 
Deduct liability on special deposits, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 
Premiums outstanding Dec. 31, 1891, 
Same not collected, 

Net collected, 

Premiums on risks written or renewed, . 

Total 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash premiums received, . 



Par Value. 

$7,000 00 
5,000 00 
5,000 00 
20,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 
10,000 00 

$326,000 00 
31, 1891. 

$125,000 00 

367,595 00 

2,336 25 

11,446 90 

68,427 40 



$3,508 35 

194,585 20 

30,462 04 

18,796 55 

$247,352 14 
10,475 79 



$72,399 32 

871 77 

$71,527 55 

406,409 41 

$477,936 96 

74,626 22 

$403,310 74 

25,186 59 



Market Value . 

$7,210 00 

5,600 00 

6,150 00 

21,000 00 

10,300 00 

10,700 00 

10,162 50 

8,012 50 

8,250 00 

11,000 00 

10,300 00 

$367,595 00 



$574,805 55 
11,000 00 



$563,805 55 



236,876 35 

$326,929 20 
250,000 00 

$76,929 20 



$378,124 15 



218 



ACCIDENT AXD GUARANTEE [Dec. 31, 



Interest and dividends received from all sources, . . . $11,030 17 

Income from rents, 5,451 87 

Received for increased capital, . . . $150,000 00 

Gross cash income, £395,212 19 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, . 

Net cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for repairs, interest, etc., . 



$221,078 71 
52,081 37 



$109,597 34 

122,750 00 

98,148 88 

04,299 13 

9,119 91 

4,202 81 



Gross cash expenditures $408,178 07 



Risks and Premium-. 

Premiums. 

Risks outstanding Dec. 31, 1890, . . .$12,341,945 00 $370,915 41 
Risks written during 1891 13,245,400 00 406,409 41 



Total, 

Deduct risks expired and terminated, 

In force at end of year, . 



.$25,587,345 00 $777,324 
. 12,760,071 00 390,334 31 



.$12,821,274 00 $386,490 51 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 

Losses incurred during the year, 

Cash dividends declared from organization of company, 
Dividends declared during the year, .... 
Company's stock owned by directors, . 



12,352,720 00 
1,008,168 00 
221,644 00 
195,750 00 
122.750 00 
166,050 00 



Massachusetts Business. 

Risks written during the year, $987,248 00 

Premiums received, 24,635 00 

Losses paid 11,913 00 

Losses incurred, 11,975 00 



1891.] 



INSURANCE COMPANIES. 



219 



MASSACHUSETTS TITLE INSURANCE COMPANY, BOSTON. 



[Incorporated Jan. 19, 1885. Commenced business March 6, 1885.] 
Paid-up Capital, $300,000. 



Arnold A. Rand, 

Vice-President and Manager. 

Office, 23 Milk Street. 



Alfred D. Foster, 

Clerk and Treasurer. 



Summary of Assets Dec. 31, 1891 



Cash value of unencumbered real estate, 
Loans on mortgage of real estate (first liens) 
Interest clue or accrued thereon, 
Fitchburg Railroad bonds, 
Plant of company, 
Cash in the office of the company, 
Cash deposited in bank, 
Interest due and accrued, 
Bills receivable, 
Furniture and fixtures, . . . $5,000 00 
Gross assets, 



$5,500 00 

101,350 64 

1,012 70 

20,000 00 

182,500 00 

822 39 

6,866 70 

300 00 

14,892 40 



$333,244 83 



Liabilities. 
Due for borrowed money, .... 
Gross liabilities, except capital, 



$18,500 00 



$18,500 00 



Income. 

Cash premiums received, $36,641 75 

Interest and dividends received from all sources, . . . 702 14 

Income from conveyancing, 15,005 86 

from real estate, 851 00 

from guaranty fund, 5,771 79 

Gross cash income, $58,972 54 



Expenditures. 
Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, . 

for rent and incidentals, . 

for expenses on real estate, 

for interest, ..... 



$1,069 86 
34,478 38 

1,024 38 

12,326 98 

767 28 

1,363 31 



Gross cash expenditures, $51,030 19 



220 



ACCIDENT AND GUARANTEE [Dec. 31, 



Miscellaneous. 

Premiums received from organization of company, 
Losses incurred during the year, . . . . 
Company's stock owned by directors, 



$207,222 00 
1,162 00 

68,860 



"THE METROPOLITAN PLATE-GLASS INSURANCE COMPANY 
OF NEW YORK," NEW YORK, N. Y. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 

Paid-up Capital, $100,000. 

Henry Harteau, President. Eugene H. Winslow, Secretary. 



Detailed Statement of 

New York city bonds, 

Fifth Avenue (Brooklyn) Bank stock, 

Fulton Municipal Gas Co. stock, 

Hamilton Bank (Brooklyn) stock, . 

Kings County Trust Co. stock, . 

Brooklyn Gas Light Co. stock, . 

Metropolitan Gas Light Co. stock, . 

Brooklyn Bank stock, 

Louisville, St Louis & Texas R.R. bonds, 



Stocks and Bonds. 

Par Value. 

$100,000 00 

2,000 00 

5,000 00 

2,500 00 

2,000 00 

6,250 00 

5,000 00 

2,500 00 

10,000 00 



Market Value. 

$104,000 00 

2,700 00 

6,400 00 

3,175 00 

3,800 00 

7,812 50 

50 00 

4,375 00 

9,100 00 



$135,250 00 $146,612 50 



Summary of Assets Dec 

Cash value of unencumbered real estate, 
Stocks and bonds, as per schedule, . 
Cash in the office of the company, . 
Cash deposited in bank, .... 
Interest due and accrued, .... 
Premiums in course of collection (gross), 

Plate-glass on hand, 

Miscellaneous, 

Premiums more than 3 months due, $852 37 
Gross assets, 



31, 1891. 

? 150,000 00 

146,612 50 

4,016 93 

22,227 37 

750 00 

32,812 90 

4,646 91 

775 02 



$361,841 63 



Liabilities. 

Losses claimed and reported, .... 82,900 00 

Unearned premiums on outstanding risks, . 119,849 33 



1891.] INSURANCE COMPANIES. 221 

Due and accrued for rent, salaries, etc., . . $6,561 97 

Commissions and brokerage, .... 8,416 32 

Gross liabilities, except capital, . . $137,727 62 



Surplus as regards policy-holders, $224,114 01 

Paid-up capital, 100,000 00 

Surplus over capital, , $124,114 01 

Income. 

Premiums outstanding Dec. 31, 1890, . . $31,767 78 
Premiums on risks written or renewed, . . 262,066 68 



Total, $293,834 46 

Premiums now in course of collection, . . 33,665 27 



Entire premiums collected, .... $260,169 19 
Less re-insurance and return premiums, . . 22,368 02 

Net cash premiums received, .... $237,801 17 

Interest and dividends received from all sources, . . . 4,422 44 

Income from rents, 1,762 38 



Gross cash income, $243,985 99 

Expenditures. 

Cash paid for losses, $107,125 46 

Deduct salvage and re-insurance, . . . 7,197 33 

Net cash paid for losses, - $99,928 13 

Cash dividends paid, 16,000 00 

Cash paid for commissions and brokerage, .... 71,33490 

for salaries of officers and office employees, . , 35,405 92 

for State and local taxes, . . . * . 2,868 61 

for expenses on real estate, 3,104 35 



Gross cash expenditures, $228,641 91 

Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1890, . . . $7,684,712 00 $225,917 91 
Risks written during 1891, .... 9,181,174 00 262,066 68 



Total, $16,865,886 00 $487,984 59 

Deduct risks expired and terminated, . . 8,430,313 00 248,285 93 



In force at end of year, $8,435,573 00 $239,698 66 

Miscellaneous. 

Premiums received from organization of company, . . $1,909,360 00 
Losses paid from organization of company, .... 704,969 00 



222 ACCIDENT AND GUARANTEE [Dec. 31, 

Losses incurred during the year, $100,212 00 

Cash dividends declared from organization of company, . 170,000 00 

Dividends declared during the year (16 per cent.), . . 16,000 00 

Company's stock owned by directors, 56,500 00 

Massachusetts Business. 

Risks written during the year, $1,014,396 00 

Premiums received, 22,520 00 

Losses paid, 9,981 00 

Losses incurred, 9,981 00 



MUTUAL BOILER INSURANCE COMPANY, BOSTON. 

[Incorporated April, 1877. Commenced businese'June, 1877.] 

J. Howard Nichols, President. D. W. Lane, Secretary. 

Office, 31 Milk Street. 



Detailed Statement of Bonds. 

Par Value. 

Fitchburg Railroad bonds, .... $3,000 00 

Maine Central Railroad bonds, . . . 2,000 00 

Atchison Railroad bonds, 1,000 00 

Chicago, Burlington & Northern R.R. bonds, . 1,000 00 



Summary of Assets Dec. 31, 1891. 



Bonds, as per schedule, 

Cash in the office of the company, . 

Cash deposited in bank, . 

Premiums in course of collection (gross) 

Interest due and accrued, . 

Mileage tickets, 

Gross assets, .... 

Liabilities. 
Unearned premiums on outstanding risks, 

Taxes, 

Gross liabilities, 



Net cash assets, 



Income. 

Cash premiums received during the year, 
Deduct return premiums, .... 
Net cash premiums received, . 
Received for interest from all sources, 
Received from inspections, 



fo,973 41 
35 50 



Market Value . 

£3,000 00 

2,100 00 

835 00 

1,020 00 



$7,000 00 $6,955 00 



$6,955 00 




91 81 




2,083 06 




62 00 




82 50 




44 40 






$9,318 77 




$3,055 88 




8 65 






3,064 53 





$6,254 24 



Gross cash income, 



$5,937 91 

371 08 

37 85 

$6,346 84 



1891.] 



INSURANCE COMPANIES, 



223 



Expenditures. 

Paid for brokerage and commissions, 

for salaries and fees of officers and employees, 
for State and local taxes, . 

for rents, 

for profits or surplus on terminated policies, 
for inspections, .... 
for incidental expenses, . 

Gross cash expenditures, . 



|76 


86 


1,112 00 


59 


37 


150 


00 


1,880 45 


2,540 61 


150 


65 



$5,969 94 



Miscellaneous. 



Risks outstanding Dec. 31, 1890 
Risks written during 1891, 

Total, .... 
Risks terminated during 1891, 

In force at end of year, 



Amount. 

|826,O00 00 
964,900 00 

$1,790,900 00 
823,500 00 

$967,400 00 



Cash Premiums. 

$5,693 54 
6,060 72 



1,754 26 
5,642 49 



Contingent 
Premiums. 

$28,467 70 
30,303 60 

$58,771 30 
28,212 45 



;,111 77 $30,558 85 



Percentage of profits or surplus returned during 1891, 33 1 per cent. 



Massachusetts Business. 

Risks written during the year, 

Premiums received (cash), 

Contingent premiums received, .... 



$736,000 00 

4,599 82 

22,999 10 



" THE NEW JERSEY PLATE-GLASS INSURANCE COMPANY," 

NEWARK, N. J. 

[Incorporated April 2, 1868. Commenced business Sept. 15, 1868.] 

Paid-up Capital, $100,000. 

Samuel C. Hoagland, President. Howard B. Schureman, Secretary. 

Summary of Assets Dec. 31, 1891. 

Loans on mortgage of real estate (first liens*)', $101,995 00 

Interest due or accrued thereon, . . . 1,995 70 

Cash in the office of the company, . . . 994 20 

Cash deposited in bank, 17,031 91 

Premiums in course of collection (gross), . 2,332 32 

Bills receivable, 96 60 

Rents due and accrued, 36 00 

Gross assets, — $124,481 73 



* Value of lands mortgaged, 
Value of buildings thereon, 
Amount of insurance held as collateral, . 



$134,400 00 
95,900 00 
80,200 00 



224 



ACCIDENT AND GUARANTEE [Dec. 31, 



Liabilities. 
Unearned premiums on outstanding risks, 
Commissions and brokerage, . 

Gross liabilities, exeept capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



115,191 97 

648 38 



Surplus over capital, 



? 15,840 35 

$108,641 38 
1<)0,000 00 

$8,641 38 



Income. 
Premiums outstanding Dec. 31, 1890, 
Same not collected, 



Net collected 

Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



$1,982 83 

180 70 

$1,802 13 

20,229 42 

$22,031 55 

2,332 32 



Entire premiums collected, | 

Less re-insurance and return premiums, . 
Net cash premiums received, — 

Interest and dividends received from all sources, . 

Income from rents, 

Income from sales of glass, 



19,699 23 
480 66 



$19,218 57 

2,942 02 

189 51 

8,282 33 



Gross cash income, $30,632 43 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 

~Set cash paid for fire losses, .... 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, 



$11,148 09 
2,981 95 



Gross cash expenditures, .... 

Risks and Premiums. 



Risks outstanding Dec. 31, 1890, . . . $523,716 00 
Risks written during 1891, . . . . 529,865 00 



Total, 

Deduct risks expired and terminated, 

In force at end of vear, . 



$1,053,581 00 
368,310 00 



$8,166 U 
4,563 00 
5,3' 

4,662 00 

173 71 

2,598 10 

$25,468 74 



Premiums. 

$22,542 41 

20,229 42 

$42,771 83 
14,777 52 



$685,271 00 ?27,994 31 



1891.] 



INSURANCE COMPANIES. 



225 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 

Losses incurred during the year, 

Cash'dividends declared from organization of company, 
Company's stock owned by directors, . 

Massachusetts Business. 

Risks written during the year, 

Premiums received, 



$326,567 00 

115,017 00 

8,166 00 

28,829 00 

81,210 00 



$210 00 
12 40 



"THE NEW YORK PLATE-GLASS INSURANCE COMPANY." 

[Incorporated March 19, 1891. Commenced business March 19, 1891.] 

Paid-up Capital, $100,000. 

Elijah R. Kennedy, President. Major A. White, Secretary. 



Detailed Statement of Stocks and Bonds. 

Par Value. 

United States bonds, $100,000 00 

Atchison, Topeka & Santa Fe R.R. bonds, . 5,000 00 

Chic , Rock Island & Pacific R.R. bonds, . . 5,000 00 

N. Y., Ontario & Western Railroad bonds, . 5,000 00 

100 shares Mil., Lake Shore & Western R.R., . 10,000 00 



Market Value. 

$118,000 00 

4,275 00 

5,200 00 

5,000 00 

13,300 00 



$125,000 00 $145,775 00 



Summary of Assets Dec. 31, 1891. 

Stocks and bonds, as per schedule, . . . $145,775 00 

Cash in the office of the company, . . . 617 97 

Cash deposited in bank, 10,259 55 

Premiums in course of collection (gross), . 13,682 71 
Premiums more than 3 months due, $117 23 

Gross assets, 



$170,335 23 



Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
State and local taxes, 
Commissions and brokerage, . 

Advertising, 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, .... 



Surplus over capital, . 



$1,796 16 

28,176 28 

25 00 

4,446 98 

108 50 



34,552 92 

$135,782 31 
100,000 00 

$35,782 31 



226 



ACCIDENT AND GUARANTEE 

Income. 



[Dec. 31, 



Cash premiums received, 

Interest and dividends received from all sources, 



$41,710 99 

2,006 07 

Gross cash income, $43,717 06 



Expenditures. 

Cash paid for losses, 

for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



Gross cash expenditures, .... 

Risks and Premiums. 

Risks written during 1891, 

Deduct risks expired and terminated, 



$315,709 00 
82,068 00 



In force at end of year, 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, 
Losses incurred during the year, .... 
Company's stock owned by directors, 

Massachusetts Business. 

Risks written during the year, 

Premiums received, 

Losses paid, 

Losses incurred, 



$4,095 96 

13,575 81 

7,221 50 

3,392 34 

9,706 43 

$37,992 04 



Premiums. 

$57,809 54 
2,340 08 



$233,641 00 £55,469 46 



$55,469 00 

4,096 00 

5,892 00 

48,600 00 



$212,622 00 
3,4-. 
304 00 
444 00 



"THE STANDARD LIFE AND ACCIDENT INSURANCE COM- 
PANY,*' DETROIT, MICHIGAN. 

[Incorporated May 29, 1S84. Commenced business Aug. 1, 1884.] 
Paid-up Capital, $200,000. 

D. M. Ferry, President. Stewart Marks, Secretary. 

Income. 
Total premium income, $653,443 26 



Cash received for interest, 



Total income, 
Net or ledger assets Dec. 31, 1890, 

Total, . . . . 



23,237 77 

$676,681 03 
405,112 74 

f 1,081,79:' ;: 



1891.] INSURANCE COMPANIES. 227 

Disbursements. 

Cash paid for losses, $306,159 33 

for dividends to stockholders, 6,000 00 

for commissions to agents, 165,717 85 

for salaries of officers and office employees, . . 80,383 08 

for taxes and fees, 18,923 71 

for incidentals, 49,298 15 

Total disbursements, . $626,482 12 

Balance, $455,311 65 

Invested in the following : — 

Assets as per Ledger Accounts. 

Loans on mortgage of real estate (first liens), . . . $267,852 34 

Cost value of bonds owned (schedule A), . . . . 125,000 00 

Cash in company's office, 5,810 30 

Cash deposited in bank, 56,329 79 

Bills receivable, 319 22 

Ledger assets (as per balance), $455,311 65 

Other Assets. 

Interest due and accrued, $5,907 26 

Deferred premiums on policies in force, . . $160,252 68 

Deduct loading, 41,665 69 

Net amount of uncollected and deferred p'ms, 118,586 99 

Reserve on foreign business re-insured, 4,111 55 

Total assets per company's books, $583,917 45 

Items not admitted. 

Reserve on foreign business, .... $4,111 55 

Bills receivable, 319 22 



4,430 77 



Total admitted assets, 



Liabilities. 

Premium reserve on account of accident risks outstanding 
Dec. 31, 1891, .... 



Accident losses in process of adjustment 
Claims resisted by the company, 
Total policy claims, . 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, 
Paid-up capital, .... 
Surplus over capital, 



Gross liabilities, 



$626 00 
36,770 56 



$221,352 36 



$579,486 68 



$320,737 76 



37,396 56 
$358,134 32 

200,000 00 
21,352 36 

$579,486 68 



228 



ACCIDENT AND GUARANTEE [Dec. 31, 



In force Dec. 81, 1890, 
Written or renewed during 1891, 

. Total, 

Deduct those expired and terminated 

In force at end of year, 



Miscellaneous. 

Number. Amount. Premium Thereon. 

26,625 $62,853,300 00 $535,336 99 
34,851 91,160,150 00 788,792 47 



61,476 $154,013,450 00 $1,324,129 46 
31,066 71,398,600 00 682,653 94 



30,410 $82,614,850 00 $641,475 52 



Massachusetts Business. 

Amount 

Accident risks written during the year, $1,222,250 00 

Premiums received, 5,917 00 

Losses paid, 1,692 00 

Losses incurred, 1,692 00 

Schedule A. 
Bonds owned by the 'Company. 

Cost Value. Market Value. 

Detroit city bonds, $50,000 00 $50,000 00 

Columbus (O.) water bonds, .... 75,000 00 75,000 00 



$125,000 00 $125,000 00 



"ST. PAUL GERMAN ACCIDENT INSURANCE COMPANY," 

ST. PAUL, MINN. 

[Incorporated March 19, 1890. Commenced business April 3, 1890.] 

Paid-up Capital, $200,000. 

James H. Drake, President. George F. Sabin, Secretary 



Detailed Statement of Stocks 



600 shares Commercial Bank, 



200 
80 
280 
100 
200 



No. St. Paul Casket Co., . 
Bank of North St. Paul, . 
Hauser & Sons Netting Co , 
American Mort. Security Co., 
Chapman Drake Co., 



American Mortgage Security Co. bonds, 



and Bonds. 

Par Value. 

$60,000 00 
10,000 00 
8,000 00 
28,000 00 
10,000 00 
11,000 00 
78,100 00 



Market Value. 

$72,000 00 
10,000 00 
8,000 00 
28,000 00 
10,000 00 
11,000 00 
78,100 00 



$205,100 00 $217,100 00 



1891.] 



INSURANCE COMPANIES. 



229 



Summary of Assets Dec. 31, 1891. 



Loans on mortgage of real estate (first liens*), 
Interest due or accrued thereon, 
Stocks and bonds, as per schedule, 
Cash in the office of the company, 
Cash deposited in bank, . 
Interest due and accrued, . 
Premiums in course of collection (gross) 
Gross assets, .... 



$34,875 00 

827 97 

217,100 00 

2,217 30 

8,576 82 

2,581 50 

40,441 32 



$306,619 91 



Liabilities. 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Reserve for dividend, .... 
Commissions and brokerage, . 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, 



?500 00 

43,059 95 

1,250 00 

8,320 00 

11,323 57 



64,453 52 

1242,166 39 
200,000 00 

$42,166 39 



Income. 

Accident premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 



Total, 

Premiums now in course of collection, 



Entire premiums collected, 
Less re-insurance and return premiums, . 
Net cash accident premiums received, 
Plate-glass prem's outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, . 

Total, 

Premiums now in course of collection, . 

Entire premiums collected, 

Less re-insurance and return premiums, . 

Net cash marine premiums received, 

Interest received on mortgages, 

Interest and dividends received from all other 

Income from assessments on capital stock, 

Received for increased capital, 



Gross cash income, 



$7,300 91 
81,316 74 



$88,617 65 
29,830 99 


$58,786 66 
11,447 22 


$1,984 94 
19,759 98 


$21,744 92 
10,610 33 


$11,134 
2,296 


59 
25 



sources, . 

$55,000 00 
96,000 00 



$47,339 44 



8,838 34 
2,162 51 
8,955 87 



$67,296 16 



* Total value or property mortgaged, $84,600 00 



230 



ACCIDENT AND GUARANTEE [Dec. 31, 



Expenditures. 



Cash paid for accident losses, .... 
for plate-glass losses, 
for commissions and brokerage, 
for salaries of officers and employees, 
for State and local taxes, 
for incidentals, .... 



$17,495 16 
2,4G3 60 

15,729 77 
9,407 75 
2,485 85 

10,721 40 



Gross cash expenditures, $58,363 53 



Accident risks outstanding Dec. 31, 1890, 
Accident risks written during 1891, . 



Risks and Premiums. 

Premiums. 

. $1,935,600 00 $13,277 20 
. 7,339,650 00 81,316 74 



Total, 

Deduct risks expired and terminated, 

In force at end of year, .... 

Plate-glass risks outstanding Dec. 31, 1890, 
Plate-glass risks written during 1891, 



$9,275,250 00 $94,593 94 
2,952,600 00 25,638 64 



In force at end of year, . 



$6,322,650 00 $68,955 30 

$192,830 00 $5,175 83 
711,151 00 19,759 98 



Total, $903,981 00 $24,935 81 

Deduct risks expired and terminated, . . 276,510 00 7,771 21 



$627,471 00 $17,164 60 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, . . . . 
Company's stock owned by directors, 



$105,786 00 
20,590 00 
19,597 00 
94,000 00 



Massachusetts Business. 



Plate-glass risks written during the year, 

Premiums received, 

Losses paid, 

Losses incurred, . 



$27,704 00 

374 00 

28 00 

28 00 



1891.] 



INSURANCE COMPANIES. 



231 



« THE TRAVELERS 1 INSURANCE COMPANY," HARTFORD, CONN. 

[Accident Department.] 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 

Paid-up Capital, $600,000. 

James G. Batterson, President. Rodney Dennis, Secretary. 

Income. 

Total premium income, $2,104,427 52 

Cash received for interest, 92,907 38 

Cash received for rents of company's property, ... 78 25 



Total income, $2,197,413 15 

Net or ledger assets Dec. 31, 1890, 2,410,239 34 

Total, $4,607,652 49 

Disbursements. 
Cash paid for losses and additions, .... 



for commissions to agents, 

for salaries and travelling expenses of agents, 

for medical examiner's fees, . 

for salaries of officers and office employees, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising- 

for profit and loss, 

for incidentals, 



Total disbursements, 
Balance, 



$986,453 01 

559,376 55 

73,928 66 

6,037 80 

95,064 52 

37,989 93 

30,903 14 

930 85 

31,575 76 

11,465 47 

99,320 77 

$1,933,046 46 

$2,674,606 03 



Invested in the following : — 

Assets as per Ledger Accounts 

Cost value of real estate, .... 

Loans on collateral security (schedule A), 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, . 

Cash deposited in bank, . 

Agents' ledger balances, . 

Suspense account, .... 



Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, 



$13,722 58 

100,000 00 

1,754,279 44 

930 03 

259,756 53 

2,210 46 

543,706 99 

$2,674,606 03 
22,374 94 

$2,652,231 09 



232 ACCIDENT AND GUARANTEE [Dec. 31, 

Other Assets. 
Market value of real estate, over cost, $294 99 



Total assets as per company's books, .... $2,652,526 08 

Items not admitted. 

Agents 1 balances, $2,210 46 

Suspense account, 543,706 99 

Total, 545,917 45 



Total admitted assets, $2,106,608 63 

Liabilities. 
Premium reserve on account of accident risks outstanding 

Dec. 31, 1891 $843,624 48 

Death losses and matured endowments in 

process of adjustment, $101,750 00 

Claims resisted by the company, . . . 5.3,100 00 

Total policy claims, 156,850 00 

Due for salaries, rent and office expenses, .... 10,000 00 



Liabilities as to policy-holders, $1,010,474 48 

Surplus as regards policy-holders, . . . $1,096,134 15 

Paid-up capital, 600,000 00 

Surplus over capital, 496,134 15 



Gross liabilities, $2,106,608 63 

Exhibit of Policies. 

Number. Amount. 

Accident policies in force Dec. 31, 1890, . . 71,543 ?244,21 1,089 00 

Accident policies written during 1891, . . 96,127 282,752,094 00 



167,670 $526,963,183 00 
Policies ceased to be in force during the Tear. 

Number. Amount. 

Terminated by death, . 193 $537,150 00 

Terminated by expiry, . 98,165 287,376,995 00 

98,358 287,914,145 00 



In force Dec. 31, 1891, 69,312 $239,049,038 00 

Massachusetts Business. 

Number. Amount 

Accident risks written during the year, . . . 6,578 $19,927,740 00 

Premiums received, ...... - 142,491 63 

Losses paid, 658 48,753 58 

Losses incurred, 659 55,253 5S 



1891.] 



INSURANCE COMPANIES. 



233 



1334 shares Meriden Britannia Company, 



Schedule A. 

Securities held as Collateral. 

Market Value. 

. $133,400 00 



Loaned Thereon. 

f 100,000 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost Value. Market Value. 

Tennessee State bonds, $26,677 50 $19,840 00 

Johnson County, 111., bonds, .... 17,385 61 18,000 00 

Wayne County, 111., bonds, .... 16,62582 17,00000 

White County, 111., bonds, .... 8,06044 8,50000 

Montrose County, Col., bonds, .... 5,200 00 5,200 00 

Mesa County, Col., bonds, .... 7,000 00 7,000 00 

Rio Arriba County, N. M., bonds, . . . 4,896 00 5,200 00 

School District, Cass County, Dak., bonds, . 24,500 00 24,500 00 

School District, Montrose County, Col., bonds, 8,000 00 8,000 00 

Bloomfield, Conn., town bonds, . . . 30,000 00 30,000 00 

Pitkin, Col., town bonds, 2,000 00 2,000 00 

Howard Township, Kan , bonds, . . . 20,441 43 24,000 00 

Paw Paw Township, Kan., bonds, . . . 6,813 50 8,000 00 

Parsons, Kan., city bonds, .... 20,000 00 20,000 00 

St. Paul, Minn., city bonds, .... 10,000 00 10,000 00 

Lima, Ohio, city bonds, 15,980 00 16,000 00 

Richmond, Va., city bonds, .... 30,937 50 ' 30,000 00 

Chicago, Burl. & Quincy Railroad bonds, . 3,000 00 5,520 00 

Columbus & Western Railroad bonds, . . 53,000 00 52,750 00 

Pullman Palace Car Company bonds, . . 32,240 00 28,000 00 

1100 shares Chicago, Burl. & Quincy R.R , . 122,927 25 120,450 00 

400 " Illinois Central Railroad, . . 50,689 58 43,300 00 

4718 " Pennsylvania Railroad, . . 273,205 17 267,746 50 

200 " Union Pacific Railroad, . . . 23,462 50 9,550 00 

2000 " Chic , Mil. & St. Paul Railroad, . 215,884 75 217,712 50 

200 " Chicago & Northwestern R R., . 23,268 75 28,300 00 

210 " Chicago & Alton Railroad, . . 22,318 75 29,190 00 

100 " Illinois Central Railroad, . . 8,644 00 9,000 00 

268 " Farm. & Mech. Nat. B% Hartfd, 37,506 87 29,480 00 

700 " American Nat. Bank, Hartford, . 44,054 00 48,300 00 

405 " City Bank, Hartford, . . . 45,175 75 40,905 00 

660 " Phoenix Nat. Bank, Hartford, . 97,413 00 82,500 00 

248 " ^Etna Nat. Bank, Hartford, . . 30,261 62 29,760 00 

200 " Mercantile Nat. Bank, Hartford, . 20,182 00 16,000 00 

140 " New Britain Nat. B% N. Britain, 17,540 00 21,000 00 

100 " Nat. Bank of Commerce, N. Y., . 13,975 00 18,500 00 

33 " Nat. Shoe and Leather B'k, N. Y., 4,455 00 4,950 00 

100 " St. Paul National Bank, St. Paul, . 10,000 00 12,200 00 

173 " First National Bank, Moms, . 20,387 50 17,300 00 



234 



ACCIDENT AND GUARANTEE [Dec. 31, 



500 shares Hartford Trust Co , Hartford, 
803 " Western Union Telegraph Co., 
21-42 " Colorado Valley, Col., Land Co., 



Cost Value. 

$49,878 15 

66,092 00 

214,200 00 



Market Value. 

165,000 00 

07,050 50 
214,200 00 



$1,754,279 44 $1,731,904 50 



"UNITED STATES GUARANTEE COMPANY," NEW YORK, N. Y. 

[Incorporated Jan. 18, 1890. Commenced business Jan. 30, 1890.] 
Paid-up Capital, $250,000. 

Edward Rawlings, President. Daniel J. Tompkins, Secretary. 



Detailed Statement of Bonds, 

Par Value. 

New York city bonds, $100,000 00 

United States bonds, 93,000 00 

Canada Southern Railroad bonds, . . . 10,000 00 



Market Value. 

$98,000 00 

107,950 00 

10,000 00 



$203,000 00 $215,950 00 



Summary of Assets Dec 31, 1891. 

Cash value of unencumbered real estate, . $1,560 00 
Loans on mortgage of real estate (first liens*), 63,500 00 

Bonds, as per schedule, 215,950 00 

Cash in the office of the company, . . . 790 63 

Cash deposited in bank, 23,826 16 

Interest due and accrued, .... 3,722 67 

Premiums in course of collection (gross), . 12,936 85 

Gross assets, . . . . . 

Liabilities. 

Losses claimed and reported, .... $8,033 30 

Unearned premiums on outstanding risks, . 39,174 66 

State and local taxes, 1,107 70 

Commissions and brokerage, .... 3,049 45 

Re-insurance premiums, 839 26 

Gross liabilities, except capital, 

Surplus as regards policy-holders, . 
Paid-up capital, 



322,286 31 



52,204 37 

$270,081 94 
250,000 00 



Surplus over capital, f 20,081 94 



* Value of lands mortgaged, $70,500 00 

Value of buildings tbereon, 80,500 00 

Amount of insurance held as collateral 55,300 00 



1891.] 



INSURANCE COMPANIES. 



235 



Income. 

Premiums outstanding Dec. 31, 1890, 
Premiums on risks written or renewed, 



Total, 

Premiums now in course of collection, 

Entire premiums collected, 

Less re-insurance and return premiums, 

Net cash premiums received, . 

Interest received on mortgages, 

Interest and dividends received from all other 



Gross cash income, 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, . 

Net cash paid for losses, .... 

Cash paid for commissions and brokerage, 

for salaries of officers and employees, 

for State and local taxes, 

for incidentals, .... 



$3,636 47 
95,619 24 

$99,285 71 
12,936 85 

$86,348 86 
13,311 66 



sources, 



$23,653 20 
3,573 65 



Gross cash expenditures, . 

Risks and Premiums. 



Risks outstanding Dec. 31, 1890, 
Risks written during 1891, 



.$10,595,316 00 
. 19,547,990 00 



Total $30,143,306 00 

Deduct risks expired and terminated, . . 13,565,210 00 



In force at end of year, . 
Deduct amount re-insured, 

Net amount in force, . 



.$16,578,096 00 
. 1,318,000 00 



$73,037 20 
2,556 11 
5,234 57 

$80,827 88 



$20,079 55 

7,173 48 

8,608 44 

1,053 79 

13,044 54 

$49,959 80 



Premiums. 

$57,612 86 
95,649 24 

$153,262 10 
68,743 74 

$84,518 36 
6,169 02 



. $15,260,096 00 $78,349 33 



Miscellaneous. 
Premiums received from organization of company, 
Losses paid from organization of company, . 
Losses incurred during the year, .... 
Company's stock owned by directors, 



$131,378 00 
31,089 00 
30,670 00 
50,400 00 



Massachusetts Business. 

Risks written during the year, $547,800 00 

Premiums received, 2,423 00 

Losses paid, - 

Losses incurred, - 



ASSESSMENT LIFE AND CASUALTY 

COMPANIES. 



ABSTRACTS OF STATEMENTS DEC. 31, 1891. 



SUMMARY OF STATEMENTS RECEIVED. 



ATLAS ACCIDENT INSURANCE COMPANY, BOSTON. 

[Incorporated Aug. 21, 1890. Commenced business Oct. 30, 1890.] 

Henry E. Turner, President. Henry G. Hardy, Secretary. 

Office, 186 Devonshire Street. 

Income during 1891. 

For membership fees, ' . . . $18,875 50 

assessments, mortuary, $7,246.32 ; expense, $5,130.78, . 12,377 10 

advance assessments, ........ 326 60 

advances to agents repaid, 476 75 

Borrowed money and donations, 5,256 12 

Total income, $37,312 07 

Balance on hand Dec. 31, 1890, 1,235 50 

Total, $38,547 57 



Disbursements during 1891. 



For losses and claims, 
advances returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
agency expenses, 
office furniture, .... 
Total disbursements, 





$1,043 29 




3 00 




18,860 50 




3,862 80 




48 00 




4,559 68 




291 50 



28,668 77 



Balance, 



►,878 80 



Net or Invested Assets. 



Cost value of bonds and stocks owned, 

Cash in office, 

Cash in bank, 



$5,100 00 
1,043 09 
3,735 71 



Total net or invested assets, . 



$9,878 80 



240 



Office furniture, 



ASSESSMENT LIFE AND 

XON-INYESTED ASSETS. 



[Dec. 31, 
*291 50 



Gross assets, $ 10,170 30 



Liabilities. 



Borrowed money, 
Advauce assessments, 

Total actual liabilities, . 



$2,600 00 
326 60 



2,926 60 



Balance, net assets, 



$7,213 70 



CONTINGENT MORTUART ASSETS (OR RESOURCES). 

Mortuary assessments, called and not yet due, . $734 
Deduct estimated cost of collection, . . . 73 10 

Net amount due from members, . . . $660 62 

Contingent Mortuary Liabilities. 
Losses reported, not adjusted (number of claims, 12), . . $500 56 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 



Number. Amount. 

358 $89,500 00 
3,910 17,705,400 00 



Business in Massachusetts during 



Policies in force at beginning of Year, 
Policies written during 1891, . 

Total 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 



8 $17,794,900 00 




2,179,680 00 


3,396 £ 


15,615,220 00 


44 


$1,043 00 


44 


1,043 00 


1891. 




Number. 


Amount. 


358 


$89,500 00 


838 


2,937,710 00 


1,196 $3,027,210 00 


432 


459,500 00 



: 64 $2,567,710 00 



31 
31 



56 

737 q6 



1891.] 



CASUALTY COMPANIES. 



241 



BANKERS' LIFE ASSOCIATION, ST. PAUL, MINNESOTA. 

[Incorporated Aug. 6, 1880. Commenced business Aug. 6, 1880.] 

Cortland M. Taylor, President. Douglass Putnam, Secretary. 



Income during 1891. 

v For membership fees, 
annual dues, 
assessments (mortuary), 
interest, 
Guarantee Trust Fund notes, 



Total income, . 
Balance on hand Dec. 31, 1890, 



Total, 



$36,218 73 

44,013 74 

85,»25 77 

6,511 27 

28,569 50 

$201,139 01 
221,856 40 

$422,995 41_ 



Disbursements during 
For losses and claims, 

guarantee deposits returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
incidental expenses, . 
Advanced to agents, . 

Total disbursements, 

Balance, . 



1891. 

$60,000 00 

637 00 

33,277 63 

33,101 75 

5,869 00 

17,756 90 

315 00 



150,957 28- 
$272,038 13 



Net or Invested Assets 
Cost value of bonds and stocks owned, 
Cash in office, .... 
Cash in bank, .... 



Total net or invested assets, 
Less depreciation, 



Total net or invested assets, 



$204,162 97 

662 98 

67,212 10 

$272,038 05 
10,595 67 

$261,442 38. 



NON-INVEsTED ASSETS. 

Interest due, $1,730.38 ; accrued, $245.47, . $1,975 85 

Guarantee Trust Fund notes not due, . . 92,771 75 

Entrance payments due, 631 91 

Total non-invested assets, 



Gross assets, 



95,379 51 
$356,821 89 



242 



ASSESSMENT LIFE AND 



[Dec. 31, 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments not yet called for losses 

unadjusted, $12,000 00 

Mortuary assessments resisted, . . . 6,000 00 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, . 



$18,000 00 
180 00 



Contingent Mortuary Liabilities. 
Losses reported, not in process (number of claims, 2), . 



$17,820 00 



$6,000 00 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891,. 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amoant. 

5,907 $11,814,000 00 
2,055 4,110,000 00 



7,962 f 15,924,000 00 
385 770,000 00 



7,577 $lc 

2 
31 


,154,000 00 

$4,000 00 
00 00 


33 
30 


$66,000 00 
60,000 00 



?6,000 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, . 
Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 



Number. 

81 
4 


Amount. 

$162,000 00 

'0 00 


85 
5 


? 170,000 00 
10,000 00 


80 


$160,000 00 



1891.] 



CASUALTY COMPANIES. 



243 



"BAY STATE BENEFICIARY ASSOCIATION," WESTFIELD, 

MASS. 

[Incorporated June 2, 1882. Commenced business June 2, 1882.] 

John R. Reed, President. Robert W. Parks, Secretary. 

Income during 1891. 

For membership fees, $16,233 00 

annual dues, 57,938 29 

assessments (mortuary), 410,576 55 

medical examiner's fees paid by applicant, . . . 2,236 00 

interest, 5,004 83 

Total income, $491,988 67 

Balance on hand Dec. 31, 1890, 154,431 37 

Total $646,420 04 



Disbursements during 1891. 



For losses and claims, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, 

rent, taxes and printing, 

legal expenses, . 

postage, 

travelling expenses, . 
All other, .... 
Total disbursements, 



$392,050 00 

37,313 79 

15,065 82 

5,720 96 

3,020 59 

500 00 

8,050 00 

6,350 00 

386 13 



468,457 29 



Balance, $177,962 75 



Net or Invested Assets. 



Cost value of bonds and stocks owned, . 
Cash in bank, 



Total net or invested assets, . 



$160,619 17 
17,343 58 

$177,962 75 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $73,000 00 
Mortuary assessments for losses reported, . 17,000 00 

Total due from members, . . . $90,000 00 



244 



ASSESSMENT LIFE AXD [Dec. 31, 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 15), $53,000 00 

Losses in process of adjustment (number of 

claims, 12), 37,000 00 

Total contingent mortuary liabilities, . $90,000 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891,. 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

9 £39,420,000 00 
2,238 7,087,000 00 



14,496 $46,507,000 00 
1,111 3,556,000 00 



13,385 $42,951,000 00 

30 $94,500 00 
120 387,550 00 



150 $482,050 00 
123 392,050 00 



27 $90,000 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses aud claims paid duriug 1891, 

Losses aud claims unpaid Dec. 31, . 



Number. Amount. 

5,609 $17,692,000 00 
583 2,036,000 00 



6,192 $19,728,000 00 
230 696,500 00 



5,962 $19,031,500 00 

18 $56,000 00 
58 180,500 00 


76 
62 


$236,500 00 
191,500 00 


14 


f45,000 00 



1891.] 



CASUALTY COMPANIES. 



245 



BERKSHIRE HEALTH AND ACCIDENT ASSOCIATION, 
WESTFIELD, MASS. 



[Incorporated Jan. 15, 1885. Commenced business Feb. 7, 1885.] 

Olin C. Towle, President. Arthur L. Bush, Secretary. 



Income during 1891. 

For membership fees, 

annual dues, 

assessments, 

medical examiner's fees paid by applicant, 



Total income, . 
Balance on hand Dec. 31, 1890, 



$515 29 


713 28 


1,395 26 


104 00 


$2,727 83 


2,390 88 



Total, 



1,118 71 



Disbursements during 1891. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 



Balance, 



$1,644 26 
515 29 
518 51 
104 00 
194 77 



2,976 83 



$2,141 88 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in office, 

Cash in bank 



Total net or invested assets, . 



fl,025 46 

5 97 

1,110 45 



$2,141 88 



Non-invested Assets. 



Interest accrued, 

Gross assets, 



Total Business of 1891 



Policies in force at beginning of } r ear, 
Policies written during 1891, . 



Total, . 
Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 



Number. 

219 
104 

323 

82 

241 



211 25 



$2,353 13 



Amount. 



246 



ASSESSMENT LIFE AND 



[Dec. 31, 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 


Number. 
1 

37 


Amount. 

$78 00 
1,566 00 


Total, 

Losses and claims paid during 1891, 

Business in Massachusetts 

Policies in force at beginning of year, 
Policies written during 1891, . 


38 
38 

DURING 1891. 

Number. 

203 

77 


$1,644 00 

1,044 00 

Amount. 


Policies ceased during 1891, 


280 

78 




Policies in force Dec. 31, 1891,. 

Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 


202 

1 
34 


$78 00 
1,329 00 


Losses and claims paid during 1891, 


35 
35 


$1,407 00 
1,407 00 



COVENANT MUTUAL BENEFIT ASSOCIATION, GALESBURG, ILL. 

[Incorporated Jan. 9, 1877. Commenced business Jan. 9, 1877.] 

A. W. Berggren, President. W. H. Smollinger, Secretary. 

Income during 1891. 

For membership fees, $76,151 50 

assessments, mortuary, $997,160.40; expense, $116,353. 14, 1,113,519 54 

interest, 16,142 03 

advance assessments, 36,951 92 



Total income, . . 
Balance on hand Dec. 31, 1890, 



. $1,242,764 99 
545,448 24 



Total, $1,788,213 23 



Disbursements during 1891. 

For losses and claims (340 deaths), . . . $910,500 00 

advance payments returned, . . . 6,587 00 

advance deposits applied, .... 37,636 95 

salaries and commissions to agents, . . 72,518 82 

salaries of officers and employees, . . 64,352 99 



1891.] CASUALTY COMPANIES. 247 



For medical examinees fees, . 

rent, taxes and printing, . 

agents 1 ledger balances (charged off), 

All other, 

Total disbursements, 



$ 15,882 00 

11,732 37 
4,704 24 

22,741 67 
$1,146,656 04 



Balance, $641,557 19 

Net or Invested Assets. 

Cost value of bonds and stocks owned, $536,896 37 

Cash in bank 104,660 82 



Total net or invested assets, $641,557 19 

Less depreciation, 27,690 31 



Total net or invested assets, $613,866 88 

NON-INVESTED ASSETS. 

Interest due and accrued, $5,370 93 

Furniture, fixtures, etc., 10,377 56 

Market value of bonds and stocks over cost, . 2,809 50 

Total non-invested assets, . . . 18,557 99 



Gross assets, $632,424 87 

Liabilities. 
Advance assessments, 14,293 50 



Balance, net assets, $618,131 37 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments called and not yet due, $143,575 00 
Mortuary assessments not yet called for losses 

unadjusted, $125,250.00 ; resisted, $10,500 00 ; 

and reported, $88,625.00, .... 224,375 00 

Total due from members, . . . $367,950 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 1), $2,500 00 

Losses in process of adjustment (number of 

claims, 52) 122,750 00 

Losses reported, not in process (number of 

claims, 37), 88,625 00 

Losses resisted (number of claims, 4), . . 10,500 00 

Total contingent mortuary liabilities, . $224,375 00 



248 



ASSESSMENT LIFE AND 



[Dec. 31, 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

:;-2.71'J |g 75 00 

7,241 14,412,875 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 



39,960 
4,918 


$99,12<>.750 00 
11, 'J 14, 125 00 


35,042 

77 
357 


1 o,750 00 
940,625 00 


4:)4 
340 


$1,157,375 00 
933,000 00 


94 
3 1891. 

Number. 

299 
31 


$224,375 00 

Amount. 

$785,625 00 
85,375 00 


330 
38 


$871,000 00 
113,125 00 



_ 


$757,875 00 


1 
1 


*5,000 00 
5,000 00 



FIDELITY MUTUAL LIFE ASSOCIATION, PHILADELPHIA, PA. 

[Incorporated Dec. 2, 1878. Commenced business Jan. 1, 1879.] 

L. G. Fouse, President. W. S. Campbell, Secretary. 

Income during 1891. 

For membership fees, $36,757 00 

annual dues, 191,074 05 

assessments, mortuary, $388,505.18 : expense, f 8,802.64, . 3i»: 

medical examiner's fees paid by applicant, . . . 5 67 

interest and rents, 20,452 44 

All other, 89 00 

Total income, $647,74" 

Balance on hand Dec. 31, 1890, 355,450 19 

Total, $1,003,196 17 



1891.] 



CASUALTY COMPANIES. 



249 



Disbursements during 1891. 



For losses and claims, 

advance payments returned, 
salaries and commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
incidental expenses, . 
rent, taxes and printing, 
legal expenses, . 
Total disbursements, 



8280,050 00 

10,695 07 

83,853 62 

71,168 45 

21,911 55 

18,661 30 

28,286 56 

5,937 91 



$520,564 46 



Balance, $482,631 71 



Net or Invested Assets. 



Cost of real estate, .... 
Loans on mortgages, 
Loans secured by liens on policies, etc., 
Cost value of bonds and stocks owned, 
Agents 1 ledger balances, . 

Cash in office, 

Cash in bank, 

Printing machinery, .... 



Total net or invested assets, 
Less agents 1 balances, 
Less printing machinery, . 



$23,003 58 
1,767 28 



$57,553 11 

211,150 00 

160,439 51 

16,870 01 

23,003 58 

1,989 49 

9,858 73 

1,767 28 

$482,631 71 



24,770 86 



Total net or invested assets, . 



$457,860 85 



Non-invested Assets. 

Interest due and accrued, f 3,867 20 

Printing machinery, 1,767 28 

Market value of real estate over cost and in- 
cumbrances, 22,446 89 

Total non-invested assets, . . . 



28,081 37 



Gross assets, $485,942 22 



Liabilities. 



Salaries, rents, etc., due and accrued, 
Advance assessments, 

Total actual liabilities, . 



$245 75 
11,681 22 



11,926 97 



Balance, net assets, 



$474,015 25 



250 



ASSESSMENT LIFE AND 



[Dec. 31, 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 16), $ 37,000 00 

Losses in process of adjustment (number of 

claims, 1), 3,000 00 

Losses reported, not in process (number of 

claims, 16), 54,500 00 

Losses resisted (number of claims, 5), . . 19,000 00 

Total contingent mortuary liabilities, . 



$113,500 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

12,176 $26,955,6.50 00 
5,331 12,124,8<X)00 



17 $39,080,450 00 
2,502 5,500,700 00 



15,005 $33,579,750 00 

5 $15,500 00 
149 326,4<X> 00 



154 $341,900 00 
132 .,900 00 



22 $59,000 00 



Business in Massachusetts during 1891. 

Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 



Number. 

426 
257 


Amount. 

$968,000 00 
889,500 00 


683 
96 


$1,857,500 00 
• 00 


4 
4 


$1,698,000 00 

$3,500 00 
3,500 00 



1891.] 



CASUALTY COMPANIES. 



251 



HARTFORD LIFE AND ANNUITY INSURANCE COMPANY, 

HARTFORD, CONN. 

[Incorporated May, 1866. Commenced business April, 1867.] 

H. A. Whitman, President. Stephen Ball, Secretary. 

Income during 1891. 

For membership fees, $71,155 00 

annual dues, 221,747 12 

assessments, mortuary, $978,882.78 ; expense, $45,951.14, 1,024,833 92 

advances to agents repaid, 51 26 

interest , 17,187 72 

accumulated safety fund, 95,934 77 

Total income, $1,430,909 79 

Balance on hand Dec. 31, 1890, 1,000,428 23 



Total, $2,431,338 02 



Disbursements during 1891. 



For losses and claims (357 deaths), . 
advance payments applied, 
commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
office and agency expenses, 
legal expenses, .... 
dividends to members, 
dividends to stockholders, . 
Total disbursements, 



Balance, $1,111,410 55 



$959,622 00 
17,517 38 
154,081 45 
53,694 18 
26,602 77 
60,127 59 
3,441 75 
24,840 35 
20,000 00 



1,319,927 47 



Net or Invested Assets 



Loans on mortgages, 

Cost value of bonds and stocks owned, 

Cash in office, 

deposits on safety fund account, 
in bank, 



Total net or invested assets, . 
Less depreciation, . . . . 



Total net or invested assets, . 

Non-invested Assets. 



Interest accrued, 



$5,100 00 

89,657 75 

3,765 71 

947,190 19 

65,696 90 

$1,111,410 55 
8,543 75 

$1,102,866 80 



73 66 



Gross assets, $1,102,940 46 



252 



ASSESSMENT LIFE AND 
Liabilities. 



Accumulated Safety Fund, 
Taxes due and accrued, .... 
Advance assessments, $ 13,722.88 ; dividend ob- 
ligations, $271.25, 

All other (not including contingent mortuary) 
Total actual liabilities, . 



Balance, net assets, 



$947,190 19 
12,091 92 

13,994 13 
17,655 62 



[Dec. 31, 



$990,931 86 
$112,008 60 



Contingent Mortuary Assets (or Resources). 



Mortuary assessments called and not yet due, 
Mortuary assessments due and unpaid, . 
Mortuary assessments not yet called for losses 

unadjusted, §16,000 00; resisted, $48,000.00; 

and reported, $89,500 00, ... . 
Total due from members, 



$3,000 00 
191,500 00 



153,500 00 



$348,000 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 69), $191,500 00 

Losses in process of adjustment (number of 

claims, 9), 19,000 00 

Losses reported, not in process (number of 

claims, 27), 89,500 00 

Losses resisted (number of claims, 6), . . 48,000 00 

Total contingent mortuary liabilities, . 



$348,000 00 



Total Business of 1891. 



Policies in force at beginuing of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount 

33,687 $78,036,000 00 
7,571 15,215,000 00 



41,258 $93,251,000 00 
4,934 10,145,500 00 



36,324 $83,105,500 00 

105 $335,000 00 
363 995,000 00 



468 $1,330,000 00 
357 982,000 00 



111 $348,000 00 



1891.] 



CASUALTY COMPANIES. 



253 



Business in Massachusetts during 1891. 

Number. Amount. 

Policies in force at beginning of year, . . 1,046 $2,246,000 00 

Policies written during 1891, 424 1,047,500 00 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



1,470 
111 


$3,293,500 00 
223,500 00 


1,359 

3 

11 


$3,070,000 00 

$19,000 00 
15,000 00 


14 
10 


$34,000 00 
31,000 00 



$3,000 00 



HOME BENEFIT ASSOCIATION, NEW YORK, N. Y. 

[Incorporated Dec. 2, 1881. Commenced business Jan. 30, 1882.] 

W. A. Camp, President. R. D. Dodge, Secretary, 

Income during 1891. 

For membership fees, $11,004 61 

annual dues, 41,487 82 

assessments (mortuary), 126,606 42 

interest, 874 57 

advances to agents repaid, 554 45 

All other, 51 89 

Total income, $180,579 76 

Balance on hand Dec. 31, 1890, 39,479 30 

Total, $220,059 06 

Disbursements during 1891. 

For losses and claims, $121,563 83 

For losses and claims (due 1890), . . . 1,228 05 

Returned to applicants, 839 57 

For salaries and commissions to agents, . . 53,110 19 

medical examiner's fees, . . . 163 90 

legal expenses, .... 7,465 41 



254 ASSESSMENT LIFE AND [Dec. 31, 

Advanced to officers and agents, . . . $2,184 46 

All other, 2,462 28 

Total disbursements, .... $ 189,017 69 

Balance, §31,041 37 

Net or Invested Assets. 

Loans on mortgages, $10,000 00 

Cost value of bonds and stocks owned, 1,000 00 

Agents' ledger balances, 4,695 27 

Cash in office, 1,147 42 

Cash in bank, 3,103 01 

Bills receivable, 12,725 68 

Total net or invested assets, $32,671 38 

Less agents 1 balances unsecured, . . . $1,630 01 

Less bills receivable, 12,725 68 

14,355 69 

Total net or invested assets, $ 18,315 69 



Non-invested Assets. 

Interest accrued, f 60 00 

Bills receivable, 12,725 68 

Total non-invested assets, . . . 12,785 68 

Gross assets, $31,101 37 

Liabilities. 

Advance assessments, $7,141 86 

All other, 93 62 

Total actual liabilities, .... 7,235 48 

Balance, net assets, $23,865 89 



Contingent Mortuary Assets (or Resources) 

Mortuary assessments called and not yet due, $46,507 22 

Mortuary assessments not yet called for losses 
unadjusted, $38,500; resisted, $38,525; re- 
ported, $37,500, 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, . 



114,525 00 

$161,032 22 
786 22 



§160,246 00 



1891.] 



CASUALTY COMPANIES. 



255 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 4), . . ' . . . . . $15,500 00 

Losses in process of adjustment (number of 

claims, 7) 38,500 00 

Losses reported, not in process (number of 

claims, 14), 37,500 00 

Losses resisted (number of claims, 12), . . 38,525 00 

Total contingent mortuary liabilities, . 



3130,025 00 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, • . 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Nnmber. Amount. 

3,415 $10,030,766 00 
975 2,657,000 00 



4,390 $12,687,766 00 
1,080 3,046,500 00 



3,310 $9,641,266 00 

37 $121,500 00 
47 158,750 00 



84 $280,250 00 
47 137,500 00 



37 $142,750 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 



Number. Amount. 

186 $724,500 00 
40 171,500 00 



226 $896,000 00 
74 265,000 00 



152 $631,000 00 

2 $7,000 00 
2 4,000 00 



4 $11,000 00 
2 4,000 00 



Losses and claims unpaid Dec. 31, . 



2 $7,000 00 



256 ASSESSMENT LIFE AND [Dec. 31, 



LIFE AXD RESERVE ASSOCIATION, BUFFALO, X. Y. 

[Incorporated 1883. Commenced business March 3, 1883.] 

M. M. Fenner, President. A. A. Aldrich, Secretary. 

Income dosing 1891. 

For membership fees, $15,858 97 

annual dues, 

assessments, mortuary, f 74,485. 45 ; expense, $51,477 10, . 125,962 55 

medical examiner's fees paid by applicant, . . . 4,6 ( . 

interest, -9 62 



Total income, $161,226 14 

Balance on hand Dec. 31, 1890, 130,11- 



Total, $291,342 91 



Disbursements during 1891. 

For losses and claims {86 deaths), . . . $66,825 00 

advance payments returned, 

salaries and commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, . 

All other, 

Total disbursements, 



1,552 00 

9,235 97 
27,336 47 

4,624 00 
18,041 57 
127,615 01 



Balance, $163,727 90 

Net or Invested Assets. 

Loans on mortgages, $137,845 00 

Agents* ledger balances, 11,737 47 

Cash in office, 1,8- 

Cash in bank, 6,114 02 

Office furniture and bills receivable, 6,196 55 



Total net or invested asset- $163,727 90 

Less agents' balances, furniture and bills receivable, . . 17,934 9 



Total net or invested assets, $145,793 88 

Liabilities. 

Salaries, rents and office expenses, . . . $1,371 05 

Advance assessments, 244 97 

Total actual liabilities, .... 1,616 02 



Balance, net assets, $144,177 86 



1891.] 



CASUALTY COMPANIES. 



257 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $25,000 00 
Mortuary assessments not yet called for losses 

unadjusted, $19,150 ; resisted, $4,000, . . 23,150 00 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



$48,150 00 
3,370 50 



$44,779 50 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 7), $16,000 00 

Losses in process of adjustment (number of 

claims, 3), 3,150 00 

Losses resisted (number of claims, 1), . . 4,000 00 

Total contingent mortuary liabilities, . 



$23,150 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


6,475 


$6,475,000 00 


2,651 


2,651,000 00 


9,126 


$9,126,000 00 


2,171 


2,171,000 00 


6,955 $6,955,000 00 


17 


$11,900 00 


88 


77,500 00 


105 


$89,400 00 


86 


66,825 00 


19 


$22,575 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred durinjr 1891, 
Losses and claims paid during 1891, 



1 • . It" 

86 


86,000 00 


262 
35 


$262,000 00 
35,000 00 


227 

4 
4 


$227,000 00 

$4,000 00 
4,000 00 



258 



ASSESSMENT LIFE AND 



[Dec. 31, 



MAINE BENEFIT ASSOCIATION, AUBURN, ME. 

[Incorporated March 5, 1885. Commenced businesa March 17, 1885.] 

Geo. C. Wing, President. N. W. Harris, Serretary. 

Income during 1891. 

For membership fees, $7,616 00 

annual dues, 20,725 50 

assessments (mortuary), 135,319 99 

interest and rents, 2,623 34 

All other, 1,039 49 



Total income, $167,324 32 

Balance on hand Dec. 31, 1890, 46,362 



Total, $213,687 27 



Disbursements during 1891. 



For losses and claims (50 deaths), . 
advance payments returned, 
commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 



Balance, 



$125,000 00 

144 25 

5,515 10 

17,003 46 

2,189 00 

5,326 88 



Net or Invested Assets 

Cost value of bonds and stocks owned, 
Agents 1 ledger balances, . 
Cash in office, ..... 
Cash in bank, 



Total net or invested assets, . 
Less agents' balances unsecured, 

Total net or invested assets, . 

Non-invested Assets. 



Interest accrued, 

Gross assets, 



155,178 


69 


158,508 58 


$56,200 00 


751 


00 


971 


19 


586 


39 



158,508 58 
751 00 



857,757 58 



617 43 



$58,375 01 



Liabilities. 



Advance assessments, 

Balance, net assets, 



66 09 

$58,308 92 



1891.] 



CASUALTY COMPANIES. 



259 



Contingent Mortuary Assets (or Resources), 

Mortuary assessments, called and not yet due, $16,488 91 

Mortuary assessments reported, . . . 30,000 00 

Net amount due from members, . . 



$46,488 91 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 7), $18,000 00 

Losses in process of adjustment (number of 

claims, 1), 2,000 00 

Losses reported, not in process (number of 

claims, 1), 5,000 00 

Losses resisted (number of claims, 1), . 4,000 00 

Total contingent mortuary liabilities, . 



$29,000 00 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

6,178 $14,199,000 00 
1,050 2,089,000 00 



7,228 $16,288,000 00 
847 1,867,000 00 



6,381 $14,421,000 00 

8 $24,000 00 
52 130,000 00 



60 $154,000 00 
50 125,000 00 



10 $29,000 00 



Business in Massachusetts during 1891. 

Number. Amount. 

396 $889,000 00 
394 867,000 00 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 



790 $1,756,000 00 
180 415,000 00 


610 $1,341,000 00 

1 $3,000 00 
1 2,000 00 



$5,000 00 
5,000 00 



260 



ASSESSMENT LIFE AND 



[Dec. 31, 



MASSACHUSETTS BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Feb. 8, 1878. Commenced business Oct. 13, 1879.] 

G. A. Litchfield, President. E. S. Litchfield, Secretary. 

Office, 53 State Street. 

Income during 1891. 

For membership fees, 181,22 

annual dues, 194,42.3 35 

assessments, mortuary, f 1,201,725.64 ; expense and re- 
serve, $216,426.89, 1,418,15: 

interest, 25 

All other, 1,108 49 

Total income, 11,720,761 30 

Balance on hand Dec. 31, 1890 » 31 

Total, $2,341,091 61 

Disbursements during 1891. 



For losses and claims (398 deaths), 

commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, . 

for agency expenses, 

legal expenses, . 

advertising, printing and taxes, 

postage, .... 

All other, 

Total disbursements, 



$1,170,308 86 

209,680 82 

38,192 87 

14,358 77 

19,769 17 

15,913 87 

17,224 33 

5,357 41 

6,621 98 



1,497,428 08 



Balance $843,663 53 



Net or Invested Assets 

Loans on mortgages, 

Loans secured by pledge of bonds, stocks, etc., 
Cost value of bonds and stocks owned, . 
Agents' ledger balances secured, 

Cash in office, . 

Cash in bank, 



Total net or invested assets, . 
Less depreciation and agents' balances unsecured, 



41,330 00 

245.50- - 

16,986 59 

18,805 39 

231,463 47 

MS 53 

1,008 96 



Total net or invested assets, . 



^57 



1891.] 



Interest accrued, 



CASUALTY COMPANIES. 

Non-invested Assets. 



261 



$7,362 54 



Gross assets, $850,017 11 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, . . . $458,500 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 48), $125,250 00 

Losses in process of adjustment (number of 

claims, 51), 175,750 00 

Losses reported, not in process (number of 

claims, 18), 66,000 00 

Losses resisted (number of claims, 8), . . 32,500 00 

Total contingent mortuary liabilities, . $399,500 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
ses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 



Losses and claims unpaid Dec. 31 (less, by compro- 
mise, $119,742.00 in 1891), . 



Number. 

. 23,759 
. 7,312 


Amount. 

$72,509,000 00 
31,677,750 00 


. 31,071 $104,186,750 00 
. 2,990 10,119,000 00 


. 28,081 

100 

423 


$94,067,750 00 

$319,900 00 
1,369,750 00 


523 
398 


$1,689,650 00 
1,170,308 00 



125 $519,342 00 



Business in Massachusetts during 1891. 

Number. Amount. 

. 11,307 $36,013,550 00 
754 3,638,000 00 



Policies in force at beginning of year, . 
Policies written during 1891, . 



Total, 
Policies ceased during 1891, 



12,061 $39,651,550 00 
708 2,236,625 00 



Policies in force Dec. 31, 1891, . 



. 11,353 $37,414,925 00 



262 ASSESSMENT LIFE AND [Dec. 31, 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31 (less by compro- 
mise in 1891, $14,365.00), 



Number. 

50 
166 


Amount. 

$147,650 00 
449,12* 


216 

177 


$596,77 
473,909 00 


39 


* 122,866 00 



MASSACHUSETTS MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Dec. 8, 1883. Commenced business Jan. 1, 1884.] 

Everett A. Stevens, President. George E. McNeil, Secretary. 

Office, 131 Devonshire St. 

Income during 1891. 

For membership fees, $4,266 50 

annual dues, 7S 00 

assessments, 9,809 10 

agents' advances repaid, . . . . ' . . . 81 00 

interest, 272 37 

renewal fees, 2,334 00 

All other, 1 5 25 

Total income $19,346 22 

Balance on hand Dec. 31, 1890, 9,828 96 

Total, $29,175 18 

Disbursements during 1891. 

For losses and claims (1 death), . . . $5,000 00 

losses and claims (129 casualties), . . 4,666 97 

commissions to agents, .... 4,586 17 

salaries of officers and office employees, . 4,106 12 

medical examiner's fees, .... 448 50 

incidental expenses, ..... 1,939 53 

Advanced to agents, 80 00 

Total disbursements, .... 20,827 29 

Balance, $8,347 89 

Net or Invested Assets. 

Value of bonds and stocks owned, $3,022 00 

Cash in bank, 5,3i ■" - 

Total net or invested assets, $8,347 89 



1891.] 



CASUALTY COMPANIES. 

Liabilities. 



Capital stock, . 

Balance, net assets, 



263 



$2,600 00 



$5,747 89 



Condition of Reserve Fund. 

Deposited in State treasury, . . . . 

Other deposits and investments, .... 

Total, 



$2,800 00 
295 21 

$3,095 21 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 18(5l, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total 

Losses and claims paid during 1891, 



Number. Amount. 

1,352 $3,996,250 00 
926 2,385,625 00 



2,278 §6,381,875 00 
836 1,858,750 00 



1,442 $4,523,125 00 

1 $5,000 00 
129 4,666 00 



130 $9,666 00 
130 9,666 00 



Business in Massachusetts during 1891. 

Number. Amount. 

1,249 $3,773,000 00 
716 1,936,625 00 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 



1,965 $5,709,625 00 
692 1,539,000 00 



1,273 §4,170,625 00 

1 $5,000 00 
106 3,239 00 



107 $8,239 00 

107 8,239 00 



264 



ASSESSMENT LIFE AND 



[Dec. 31, 



MASSACHUSETTS MUTUAL AID SOCIETY, FITCIIKURG, 

MASS. 

[Incorporated Feb. 17, 1879. Commenced business March 27, 1879.] 

Henry A. Goodrich, President. F. C. Currier, Secretary. 

Income during 1891. 

For membership fees, $1,431 00 

annual dues, 2,324 50 

assessments, 73,292 65 

medical examiner's fees paid by applicant, . . 256 00 

interest, 449 57 

• 

Total income, $77,753 72 

Balance on hand Dec. 31, 1890 13,954 63 

Total, $91,70- 



Disbursements during 1891. 



For losses and claims, 

commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
advertising and printing, . 
interest on deferred claims, 
Total disbursements, 

Balance, 



$76,000 00 

1,390 96 

5,377 69 

256 00 

280 76 

82 83 



83,388 24 



$8,320 11 



Net or Invested Assets. 



Value of bonds and stocks owned, . 
Cash in bank, 



Total net or invested assets, . 



87,438 98 
881 13 

20 11 



Contingent Mortuary Liabilities. 

$9,500 00 



Losses adjusted, not yet due (number of 
claims, 6), . 

Losses reported, not in process (number of 
claims, 6), 

Losses resisted (number of claims, 1), 

Total contingent mortuary liabilities, . 



13,000 00 
3,000 00 



.500 00 



1891.] 



CASUALTY COMPANIES. 

Total Business of 1891. 



265 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

2,346 $4,121,000 00 
271 369,000 00 



2,617 $4,490,000 00 
216 400,500 00 



2,401 $4,089,500 00 

7 $13,000 00 
45 88,500 00 



52 $101,500 00 
40 76,000 00 



12 $25,500 00 



Business in Massachusetts during 1891. 

Number. Amount. 

2,168 $3,783,000 00 
256 349,000 00 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



2,424 $4,132,000 00 
184 337,500 00 



2,240 $3,794,500 00 

7 $13,000 00 
41 79,500 00 



48 $92,500 00 
37 71,000 00 



11 $21,500 00 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Jan. 4, 1881. Commenced business Jan. 24, 1881.] 

George M. Hobbs, President. William L. Wellman, Secretary. 

Office, 18 Post Office Square. 



Income during 1891. 



For membership fees, 
annual dues, 
assessments, 



$22,475 00 
12,448 01 
25,972 88 



266 



ASSESSMENT LIFE AND 



[Dec. 31, 



For interest, 

For advance assessments, . 


$414 45 

543 74 


Total income, .... 
Balance on hand Dec. 31, 1890, 


$61,854 08 

14,907 82 


Total, 


$76,761 90 



Disbursements during 1891. 



For losses and claims, 

Returned to members, 

For commissions to agents, 

salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 



$20,393 60 

12 00 

23,665 25 

8,517 89 

2,635 97 

3,131 01 



Balance, 



58,35 



$18,406 18 



Net or Invested Assets. 

Value of bonds and stocks owned, .... 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 



$8,752 50 

643 55 

9,010 13 

?18,406 18 



Liabilities. 



Advance assessments, 

Balance, net assets, 



543 74 



$17,862 44 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, $3,500 00 
Mortuary assessments not yet called for losses 
unadjusted, $5,833.70; resisted, $10,175.00; 
and reported, $8,500.00, .... 24,508 70 
Net amount due from members, . . 



$28,008 70 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 26), ?5,833 70 

Losses reported, not in process (number of 

claims, 2) 8,500 00 

Losses resisted (number of claims, 3), . 10,175 00 

Total contingent mortuary liabilities, . 



$•24." - ' 



1891.] 



CASUALTY COMPANIES. 

Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 

3,433 
4,49r> 



267 



Amount. 

$ 14,003,300 00 
9,104,180 00 



7,928 
3,156 



$23,107,480 00 
7,088,410 00 



4,772 $16,019,070 00 



19 
436 

455 
424 



$10,500 00 

34,402 00 

$44,902 00 

20,393 00 



31 $24,509 00 



Business in Massachusetts during 1891. 

Number. 

Policies in force at beginning of year, . . . 2,813 
Policies written during 1891, 893 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Amount. 

$11,894,000 00 
2,080,640 00 



3,706 
1,139 



$13,974,640 00 
2,899,500 00 



2,567 $11,075,140 00 

19 $10,500 00 
167 10,272 00 

186 $20,772 00 
155 9,910 00 

31 $10,862 00 



MUTUAL BENEFIT LIFE ASSOCIATION OF AMERICA, 
NEW YORK, N. Y. 

[Incorporated Dec. 20, 1882. Commenced business Jan. 19, 1883.] 

William H. Wiiitton, President. R. D. A. Parrott, Secretary 



Income during 1891. 

For membership fees, " 

annual dues, 

assessments (mortuary), .... 
medical examiner's fees paid by applicant, 
interest and rents, 



$14,920 43 

35,268 99 

179,516 54 

4 00 

3,484 96 



268 



ASSESSMENT LIFE AND 



[Dec. 31, 



Agents' advances repaid, . 
All other, . 



Total income, . 
Balance on hand Dec. 31, 1890, 



$6,749 08 
3,769 93 

$243,713 93 
152,172 79 



Total, $395,886 72 



Disbursements during 1891. 



For losses and claims (65 deaths), . 

deposits and advances returned, 

commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, 

rent, taxes and printing, 
Advanced to agents, . 
All other, .... 
Total disbursements, 



$189,579 71 

3,109 45 

11,771 10 

29,009 75 

3,600 90 

8,359 53 

6,731 83 

15,419 45 



267,581 7-2 



Balance, $128,305 00 



Net or Invested Assets. 



Agents' ledger balances, 
Cash in bank, 



Total net or invested assets, . 
Less depreciation and agents' balances unsecured, 

Total net or invested assets, . 
Office furniture, 



$7,67<» 74 

120,634 26 

. £128,305 00 

7,670 74 



. $120,634 26 



$6,000 00 



Liabilities. 

Losses adjusted, due and unpaid, 

Salaries, etc., due and accrued, .... 

Borrowed money, 

Advance assessments, 

All other (not including contingent mortuary), 
Total actual liabilities, .... 

Balance, net assets, .... 



$5,000 00 




685 02 




3,400 00 




734 22 




937 47 






10,756 71 





$10! 



1891.1 



CASUALTY COMPANIES. 



269 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $2,874 (II 

Mortuary assessments not yet called for losses 

unadjusted, $86,800; resisted, $56,400, . . 143,200 00 



Total due from members, 
Deduct estimated cost of collection, . 

Net amount due from members, 



$146,074 61 
14,607 46 



$131,467 15 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 28) $86,800 00 

Losses resisted (number of claims, 12), . . 56,400 00 
Total contingent mortuary liabilities, . 



$143,200 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec 31, 1891, . 

Losses and claims unpaid Dee. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

3,272 $10,690,300 00 
2,426 2,980,500 00 



5,698 $13,670,800 00 
1,379 2,584,300 00 



4,319 $11,086,500 00 

37 $137,400 00 
71 209,300 00 



108 $346,700 00 
65 198,500 00 



43 $148,200 00 



Business in Massachusetts during 1891 

Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



-\ umuer. 

55 
72 


$141,000 00 
91,300 00 


127 
25 


$232,300 00 
46,600 00 


102 

1 
3 


$185,700 00 

$1,000 00 
9,000 00 


4 
2 


$10,000 00 
3,000 00 


2 


$7,000 00 



270 



ASSESSMENT LIFE AND 



[Dec. 31, 



MUTUAL RESERVE FUND LIFE ASSOCIATION, NEW YORK. N. Y. 

[Incorporated, 1883. Commenced business Feb. 9, 1881.] 

Edward B. Harper, President. Frederick T. Braman, Secretary. 

Income during 1891. 

For membership fees, $269,991 00 

annual dues, 103,693 87 

assessments (mortuary), 2,787,789 38 

medical examiner's fees paid by applicant, . . . 42,807 00 

interest, 123,336 64 

advance assessment 23,727 40 

All other, 2,781 12 

Total income, $3,704,126 41 

Balance on hand Dec. 31, 1890, 2,930,17- 

Total, 16,634,305 31 

Disbursements during 1891. 



For losses and claims (700 deaths), . 
collecting and levying assessments, 
commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, 
general expenses, 
legal expenses, . 
rent, taxes and printing, 
adjusting death claims, 
Total disbursements, 



$2,290,108 80 

157,153 64 

313,127 92 

167,080 78 

59,073 72 

68,528 78 

3,632 75 

135,648 91 

55,512 96 



3,249,868 26 



Balance, $3,384,437 05 



Net or Invested Assets. 
Loans on mortgages, $2,287,900 00 



Furniture and fixtures, 

Par value of bonds and stocks owned, 

Agents' ledger balances (secured), . 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 
Less furniture and fixtures, 



16,073 90 

250,989 22 

126,707 75 

2,504 26 

700,261 92 

$3,384,437 05 
16,073 90 



Total net or invested assets, . 



$3,363,363 15 



1891.] 



CASUALTY COMPANIES. 



271 



Non-invested Assets. 

Interest due and accrued, $24,786 61 

JVIarket value of bonds and stocks over par, . 10,410 78 

Total non-invested assets, . . . $35,197 39 



Gross assets, $3,403,560 54 



Liabilities. 



Advance assessments, 
Bond obligations, 

Total actual liabilities, . 

Balance, net assets, 



$40,068 91 
287,505 89 



327,574 80 



. $3,075,985 74 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $925,848 00 
Annual dues in process, 68,342 00 



Total due from members, 
Deduct estimated cost of collection, 

Net amount due from members, 



$994,190 00 
64,622 35 



$929,567 65 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 39), $165,100 00 

Losses in process of adjustment (number of 

claims, 71), 279,863 00 

Losses resisted (number of claims, 24), . . 81,100 00 

Total contingent mortuary liabilities, . $526,063 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total 

Losses and claims paid during 1891, 



Number. Amount. 

58,515 $197,003,435 00 

14,074 44,318,965 00 

72,589 $241,322,400 00 

7,910 26,114,490 00 

64,679 $215,207,910 00 



131 

704 



835 
700 



$434,100 00 
2,398,600 00 

$2,832,700 00 
2,290,109 00 



Losses and claims unpaid Dec. 31, . 



135 $542,591 00 



212 



ASSESSMENT LIFE AM) 



[Dec. 31, 



Business in Massachusetts during 1891. 

, Number. 

Policies in force at beginning of year, . . . 1,017 
Policies written during 1891, 197 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891,. 

Losses and claims unpaid Dec. 81, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



1,814 
229 



Amount. 

$7,578 

1,225,500 00 

$8,798,500 00 
1,249,500 00 



1,585 $7,549,000 00 



2 

20 



.22 
15 



,900 00 

84,500 00 

$90,400 00 
65,000 00 

$25,400 00 



NATIONAL LIFE-MATURITY INSURANCE COMPANY, ^WEST 

VIRGINIA. 



[Incorporated Feb. 2, 1884. Commenced business May 3, 1S83.] 

Horatio Browning, President. George D. Eldredge, Secretary. 

Office, Washington, D. C. 



Income during 1891. 

For annual dues, ...... 

assessments, 

interest, 

agents' advances repaid, .... 
All other, 



$66,276 23 

275,594 68 

6,204 87 

6,369 65 

9,000 00 



Total income, $363,445 43 

Balance on hand Dec. 31, 1890, 132,776 37 



Total, $496,221 80 

Disbursements during 1891. 
For losses and claims, $185,707 58 



advance payments returned, 
commissions to agents, 
salaries of officers and emploj'ees, 
medical examiner's fees, . 
legal and incidental expenses, . 



206 79 

14,037 91 

38,106 36 

7,975 60 

15,875 78 



1891.] CASUALTY COMPANIES. 273 

For bills payable, $29,000 00 

Advanced to agents, 14,842 30 

Total disbursements, .... $305,752 32 

Balance, $190,469 48 

Net or Invested Assets. 

Loans on mortgages, $107,350 00 

Loans secured by pledge of bonds, stocks, etc., . . . 8,978 97 

Cost value of bonds and stocks owned, 46,709 98 

Agents 1 ledger balances, 9,917 20 

Cash in office, 5,897 91 

Cash in bank, 10,661 56 

All other, 953 86 

Total net or invested assets, $190,469 48 

Less depreciation, 1,154 13 

Total net or invested assets, $189,315 35 

Non-invested Assets. 

Interest due and accrued, $1,015 61 

Market value of bonds and stocks over cost, . 485 58 

Total non-invested assets, . . . 1,501 19 

Gross assets, $190,816 54 

Liabilities. 
Losses adjusted, due and unpaid, 1,000 00 

Balance, net assets, $ 189,816 54 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $74,750 73 
Mortuary assessments due and unpaid, . . 14,361 25 

Mortuary assessments, not yet called for losses 

unadjusted, $12,000.00; resisted, $2,000.00; 

reported, $5,000.00, 19,000 00 

Total due from members, . . . $108,111 98 
Deduct estimated cost of collection, . . . 5,405 60 

Net amount due from members, . . $102,706 38 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 10), $21,250 00 

Losses in process of adjustment (number of 

claims, 9), 12,000 00 



274 



ASSESSME^ LIFE AND [Dec. 31, 



Losses reported, not in process (number of 

claims, 1) 

Losses resisted (number of claims, 1), 

Total contingent mortuary liabilities, . 



$5,000 00 
2,000 00 



$40,250 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

7,294 $9,645,000 00 
7,771 5,474,550 00 



15,065 $15,119,550 00 
3,155 2,666,705 00 



11,910 $12,452,845 00 

20 $51,500 00 
65 114,850 00 



85 $166,350 00 
63 125,100 00 



22 £41,250 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, . 
Policies ceased during 1891, 



Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 



Number. 

1,107 
1,222 



2,829 
146 



Amount. 

$3,427,100 00 
1,006,300 00 

$4,433,400 00 
374,600 00 



2,183 $4,058,800 00 



9 
31 



40 
27 



$26,500 00 
64,000 00 

$90,500 00 
62,000 00 



Losses and claims unpaid Dec. 31, . 



13 $28,500 00 



1891.] 



CASUALTY COMPANIES. 



275 



NEW ENGLAND LIVE-STOCK INSURANCE COMPANY, BOSTON. 

[Incorporated April 12, 1888. Commenced business Oct..l3, 1888.] 

J. A. Harwood, President. Everett S. Litchfield, Secretary. 

Income during 1891. 

For membership fees, $ 18,326 91 

annual dues, 110 69 

assessments, 29,885 68 

medical examiner's fees paid by applicant, . . . 151 00 

All other, 14 92 

Total income, . , $48,489 20 

Balance on hand Dec. 31, 1890, 3,971 60 

Total, $52,460 80 



Disbursements during 1891. 



For losses and claims, 

salaries and commissions to agents, 
salaries of officers and employees, 
medical and veterinary service, 
incidental expenses, . 
legal expenses, . 
advertising and printing, . 
Total disbursements, 





$19,496 00 






9,032 30 






8,785 20 






6,061 70 






3,624 70 






150 00 






824 57 


47,974 47 







Balance, 



$4,486 33 



Net or Invested Assets. 



Agents' ledger balances, 
Cash in office, . 
Cash in bank, . 



Total net or invested assets, . 
Less agents' balances unsecured, 



Total net or invested assets, . 



$2,436 99 

1,517 33 

532 01 

$4,486 33 
2,436 99 

$2,049 34 



Non-invested Assets. 



Office furniture, 

Gross assets. 



500 00 



$2,549 34 



276 



ASSESSMENT LIFE AND [Dec. 31, 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, if 2,736 94 

Mortuary assessments, due and unpaid, . . 820 49 
Mortuary assessments, not yet called for losses 

unadjusted, 6,636 64 

Net amount due from members, . . $10,200 07 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 21), $2,420 00 

Losses resisted (number of claims, 3), . . 300 00 

Total contingent mortuary liabilities, . 



$2,720 00 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, 



Number. 

2,477 

4,287 

6,764 
3,411 



Amount. 

$397,646 00 

637,560 00 

$1,035,206 00 

531,143 00 



3,353 $504,063 00 



15 

145 



160 
133 



14 00 
20,373 00 

$22,887 00 
20,167 00 

|2,720 00 



Business in Massachusetts during 1891. 

Number. 

2,477 
4,004 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 



6,481 
3,326 



Amount. 

$397,646 00 
595,624 00 

$993,270 00 
518,362 00 



3,155 $474,908 00 



15 

142 

157 
131 



$2,514 00 
20,073 00 

£22,587 00 
19,967 00 



Losses and claims unpaid Dec. 31, . 



26 $2,620 00 



1891.] 



CASUALTY COMPANIES. 



277 



NEW ENGLAND MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Feb. 29, 1884. Commenced business March, 1S84.] 

Augustus P. Martin, President. Benj. F. Dyer, Secretary. 



Income during 1891. 



For membership fees, 
annual dues, 
assessments, 
interest, 



$30,324 10 

860 75 

116,755 36 

1,075 78 



Total income, $149,015 99 

Balance on hand Dec. 31, 1890, 49,52141 



Total, $198,537 40 



Disbursements during 1891. 



For losses and claims (5 deaths), 

losses and claims (960 casualties), 
advance fees and payments returned 
commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
adjustment of claims, 
incidental expenses, . 
Total disbursements, 



Balance, 



$14,534 00 

52,744 41 

819 00 

30,505 35 

31,353 83 

3,587 14 

8,164 70 

11,372 87 



153,081 30 
$45,456 10 



Net or Invested Assets. 
Cost value of bonds and stocks owned, . . 

Agents 1 ledger balances, 

Cash in office, 

Cash in bank, 



Total net or invested assets, .... 
Less depreciation and agents 1 balances unsecured, . 

Total net or invested assets, . 

Non-invested Assets. 

Interest due and accrued, 

Furniture and movables, 

Total non-invested assets, 



Gross assets, 



$23,908 10 

1,556 55 

293 49 

19,697 96 

$45,456 10 
2,059 65 



• ' • 


$43,396 45 


$363 09 




2,633 49 






2,996 58 






$46,393 03 



278 ASSESSMENT LIFE AND [Dec. 31, 

Liabilities. 

Taxes due and accrued, $100 00 

Salaries, rents and office expenses due and ac- 
crued, 729 62 

Advance assessments, 3,217 54 

All other (not including contingent mortuary)., 500 00 

Total actual liabilities, .... : — $4,547 16 

Balance, net assets, $4 1,845 87 



Condition of Reserve Fund. 

Deposited in State treasury, $17,370 00 

Other deposits and investments, 6,538 10 

Total $23,908 10 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $4,689 00 

Mortuary assessments, not yet called for losses 

unadjusted, $2,676.56; resisted, $5,290 00; 

reported, $1,456.06, 9,422 62 

Net amount due from members, . . $14,111 62 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 2), 

Losses in process of adjustment (number of 

elaims, 48), 

Losses reported, not in process (number of 

claims, 30), 

Losses resisted (number of claims, 5), . 

Total contingent mortuary liabilities, . $12,822 62 



Total Business of 1891. 

Nnmber. Amount. 

Policies in force at beginning of year, . . . 9,373 $37,283,750 00 
Policies written during 1891, . . . . . 6,939 23,991,625 00 



$3,400 00 


2,676 56 


1,456 06 


5,290 00 



Total 16,312 $61,275,375 00 

Policies ceased during 1891, 7,057 21,588,875 00 



Policies in force Dec. 31, 1891, 9,255 $39,686,500 00 



1891.] 



CASUALTY COMPANIES. 



279 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31 (see contingent 
liabilities), 



11 $17,590 00 
964 69,107 00 



975 $86,697 00 
968 78,006 00 



88,691 00 



Business in Massachusetts during 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, . . . . '. 
Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



1891. 

Number. Amount. 

3,395 $14,637,375 00 
1,407 5,989,000 00 



4,802 $20,626,375 00 
1,217 4,642,625 00 



3,585 $15,983,750 00 

2 $2,650 00 
210 25,151 00 



212 f 27,801 00 
209 22,801 00 



3 $5,000 00 



NORTHWESTERN MASONIC AID ASSOCIATION, CHICAGO, ILL. 

[Incorporated Jan. 27, 1874. Commenced business July, 1874.] 

Daniel J. Avery, President. James A. Stoddard, Secretary. 

Income during 1891. 

For membership fees, $83,257 00 

For assessments, 1,838,293 71 

For interest, 11,484 21 

All other, 10,100 32 

Total income, $1,943,135 24 

Balance on hand Dec. 31, 1890, 427,008 48 

Total, $2,370,143 72 

Disbursements during 1891. 

For losses and claims (519 deaths), . . $1,482,416 66 

For advance payments returned, . . . 9,050 50 



280 



ASSESSMENT LIFE AND [Dec. 31 



For commissions to agents, 

salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
legal expenses, .... 
Total disbursements, 



$96,967 33 

126,370 09 

15,678 20 

51,795 14 

2,111 19 



$1,784,395 11 



Balance, £585,748 61 



Net ok Invested Assets. 
Cost value of bonds and stocks owned, . 

Agents 1 ledger balances, 

Cash in office, 



Total net or invested assets, . 
Less depreciation and agents 1 balances unsecured, 

Total net or invested assets, . 



$363,526 60 

1,835 34 

220,386 77 

$585,748 61 
14,535 25 

$571,213 36 



Non-invested Assets. 



Interest accrued, 



1,758 31 



Gross assets, $572,971 6« 



Liabilities. 

Losses adjusted, due and unpaid, 

Advance assessments, 

All other (not including contingent mortuary), 
Total actual liabilities, .... 

Balance, net assets, .... 



824,750 00 

34,584 27 

1,686 92 



61,021 19 



$511,950 48 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, due and unpaid, . . f 25,000 00 
Mortuary assessments, not yet called for losses 

unadjusted, 178,500 00 

Mortuary assessments reported, . . . 172,000 00 

Net amount due from members, . . 8375,500 00 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 66), $178,500 00 

Losses reported, not in process (number of 

claims, 59), 172,000 00 

Total contingent mortuary liabilities, . $350,500 00 



1891.] 



CASUALTY COMPANIES. 
Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . * 



Number. 

54,977 
10,265 

65,242 
6,952 



281 



Amount. 

$149,092,500 00 
24,939,000 00 

$174,031,500 00 
18,653,000 00 



58,290 $155,378,500 00 



70 

583 



653 
519 



$205,666 00 
1,660,000 00 

$1,865,666 00 
1,490,416 00 



134 $375,250 00 



Business in Massachusetts during 1891. 

Number. 

615 

80 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



695 
44 



Amount. 

11,829,500 00 
218,000 00 

12,047,500 00 
129,500 00 



651 $1,918,000 00 



$5,000 00 

19,000 00 

$24,000 00 

19,000 00 

$5,000 00 



PROVIDENT AID SOCIETY, PORTLAND, ME. 

[Incorporated March 5, 1885. Commenced business Oct. 15, 1885.] 

Franklin J. Rollins, President. Everett Smith, Secretary. 

Income during 1891. 

For membership fees, $2,821 40 

annual dues, 8,395 15 

assessments, 53,281 67 



282 ASSESSMENT LIFE AND [Dec. 31, 

For medical examiner's fees paid by applicant, . . . $360 00 

For interest, 1,731 45 



Total income, $66,589 67 

Balance on hand Dec. 31, 1890, 29,285 87 



Total $95,875 54 

Disbursements during 1891. 
For losses and claims (10 deaths), . . . $29,500 00 
advance payments returned, 
commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 

Balance, $51,912 53 

Net or Invested Assets. 

Cost value of bonds and stocks owned, $35,088 40 

Cash in office, 1,018 28 

Cash in bank, 15,805 85 



324 28 




1,840 10 




8,335 54 




360 00 




3,603 09 






43,963 01 





Total net or invested assets, $51,912 53 

Condition of Reserve Fund. 
Deposited in State treasury, $34,053 40 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, . . . $8,500 00 

Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 2) $5,000 00 

Losses reported, not in process (number of 

claims, 1), 2,500 00 

Total contingent mortuary liabilities, . $7,500 00 

Total Business of 1891. 

Number. Amount. 

Policies in force at beginning of year, . . . 2.300 $6,539,000 00 
Policies written during 1891, 180 371,000 00 



Total, 2,480 £6,910,000 00 

Policies ceased during 1891, 174 503,000 00 



Policies in force Dec. 31, 1891, 2,306 $6,407,000 00 



1891.] 



CASUALTY COMPANIES. 



283 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Number. 

2 
11 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Amount. 

$5,000 00 
32,000 00 



13 $37,000 00 
10 29,500 00 



$7,500 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, . 
Policies written during 1891, . 



Total, 
Policies ceased during 1891, 



Policies in force Dec. 31, 1891, . 



Number. Amount. 

508 $1,335,000 00 
28 70,000 00 



536 $1,405,000 00 
78 210,000 00 



458 $1,195,000 00 



SECURITY LIVE-STOCK INSURANCE COMPANY, BOSTON. 

I [Incorporated April 17, 1891. Commenced business May 11, 1891.] 

Thomas H. McDonnell, President. William D. Webb, Secretary. 

Office, 53 State Street. 



Income during 1891. 



For membership fees, 
assessments, 
borrowed money, 



$7,422 26 
3,739 92 
5,000 00 



Total income, $16,162 18 



Disbursements during 1891. 



For losses and claims, 

commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 



$3,296 00 
3,491 37 
2,548 37 
1,258 18 
4,283 35 



14,877 27 



Balance, . 



$1,284 91 



284, ASSESSMENT LIFE AND [Dec. 31. 

Net or Invested Assets. 

Agents 1 ledger balances, $679 34 

Cash in office, 80 

Cash in bank, ,51 

Total net or invested assets, $ 1,284 91 

Less agents 1 balances unsecured, 079 34 

Total net or invested assets, $605 57 

Non-invested Assets. 

Office furniture, 1,000 00 

Gross assets, $1,605 

Liabilities. 

Borrowed money, 5,000 00 

Deficit, $3,394 43 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of claims, 7), . . f 900 00 

Total Business of 1891. 

Number. Amount. 

Policies written during 1891, 1,513 §221,90! 

Policies ceased during 1891, 406 61,765 00 

Policies in force Dec. 31, 1891 1,107 $159,538 00 

Losses and claims incurred during 1891, . . 29 $4,196 00 

Losses and claims paid during 1891, ... 22 3,296 00 

Losses and claims unpaid Dec. 31, ... 7 $900 00 



UNION MUTUAL BENEFIT ASSOCIATION, MASSACHUSETTS. 

[Incorporated Dec. 24, 1879. Commenced business Jan. 10, 1SS0.] 

Neiiemiah T. Merritt, Presideyit. Charles R. Folsom, Secretary. 

Office, 85 Devonshire Street. 

Income during 1891. 

For membership fees, $6 00 

annual dues, 1,654 11 

assessments, 12.170 75 



1891.] 



CASUALTY COMPANIES. 



285 



For medical examiner's fees paid by applicant, 
For interest, 



Total income, . 
Balance on hand Dec. 31, 1890, 



$2 00 
108 69 



$13,941 55 
4,154 70 



Total, 818,096 25 



Disbursements during 1891. 

For losses and claims (12 deaths), . . . § 8,986 17 

commissions to agents, .... 31 00 

' salaries of officers and employees, . . 3,000 00 

medical examiner's fees, .... 2 00 

incidental expenses, 755 43 

Total disbursements, .... 

Balance, 



12,774 60 



$5,321 65 



Net or Invested Assets. 

Value of bonds and stocks owned, .... 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 



$3,152 12 

47 34 

2,122 19 



$5,321 65 



Liabilities. 
Losses adjusted, due and unpaid, 



Balance, net assets, 



3,419 64 



$1,902 01 



Contingent Mortuary Liabilities. 

Losses reported, not in process (number of 

claims, 3), $3,500 00 

Losses resisted (number of claims, 2), . . 4,000 00 
Total contingent mortuary liabilities, . 



$7,500 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, . 
Policies ceased during 1891, 



Number. Amount. 

455 $863,500 00 
1 1,000 00 



456 $864,500 00 
156 301,000 00 



Policies in force Dec. 31, 1891, 



300 $563,500 00 



286 



ASSESSMENT LIFE AND 



[Dec. 31, 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 

5 
15 

20 
12 



Amount. 

$12,000 00 
22,500 00 

$34,500 00 
23,000 00 



8 $11,500 00 



UNITED STATES MUTUAL ACCIDENT ASSOCIATION, 

NEW YORK. 

[Incorporated March 11, 1884. Commenced business Nov. 3, 1877.] 

Charles B. Peet, President. James R. Pitcher, Secretary. 



Income during 1891. 



For membership fees, 
assessments, 
interest, . 

Total income, . 
Balance on hand Dec. 31, 1890, 



$53,980 00 

911,560 55 

3,789 50 

$969,330 05 
201,647 73 



Total, $1,170,977 78 



Disbursements during 1891. 



For losses and claims (26 deaths), . 

losses and claims (3,584 casualties), 

commissions to agents, 

salaries of officers and employees, 

medical examiner's fees, . 

taxes, 

legal expenses, .... 

postage and exchange, 

rent, printing and advertising, . 

All other, 

Total disbursements, 



Balance, 



$117,500 00 

292.607 28 
134,179 54 

230.608 87 
17,484 87 

7,775 03 

15,270 26 

18,986 17 

51,383 23 

117,446 70 



1,003,241 95 
$167,735 83 



Net or Invested Assets. 

Loans on mortgages, 

Cost value of bonds and stocks owned, . 
Agents 1 ledger balances, . 



$87,000 00 
11,837 47 
13,762 75 



1891.] CASUALTY COMPANIES. 287 

Cash in office, $5,022 50 

Cash in bank 50,113 11 

Total net or invested assets, $167,735 83 

Less agents 1 balances, 13,762 75 

Total net or invested assets, $153,973 08 

Non-invested Assets. 
Interest accrued, 1,543 67 

Gross assets, $155,516 75 

Liabilities. 

Advance assessments, f 11,014 87 

Bills payable, 7,000 00 

Total actual liabilities, .... 18,014 87 

Balance, net assets, $137,501 88 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $26,562 00 
Mortuary assessments, not yet called for losses 

unadjusted, $39,026 08 ; resisted, $25,500.00 ; 

reported, $18,000.00, 82,526 08 

Total due from members, . . . $109,088 08 
Deduct estimated cost of collection, . . . 4,100 00 

Net amount due from members, . . $104,988 08 

Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 123), $39,026 08 

Losses reported, not in process (number of 

claims, 86), 18,000 00 

Losses resisted (number of claims, 6), . . 25,500 00 

Total contingent mortuary liabilities, . $82,526 08 

Total Business of 1891. 

Number. Amount. 

Policies in force at beginning of year, . . . 55,382 $270,297,500 00 
Policies written during 1891, 31,049 147,852,450 00 

Total, 86,431 $418,149,950 00 

Policies ceased during 1891, 27,913 132,787,800 00 

Policies in force Dec. 31, 1891, 58,518 $285,362,150 00 



288 ASSESSMT LIFE AND CAS. COS. [Dec. 31, '91. 



Number. Amount. 

Losses and claims unpaid Dec. 31, 1890, . . . 192 $72,721 00 

Losses and claims incurred during 1891, . . . 3,1, 419,912 00 



Losses and claims unpaid Dec. 31, . 



Total, 3,821 £492,633 00 

Losses and claims paid during 1891, . . 3,610 410,107 00 



211 $82,526 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 



Number. Amount. 

3,050 114,953,500 00 
2,447 11,896,000 00 



5,497 $26,849,500 00 
1,631 7,806,303 00 



3,866 $19,043,200 00 

4 f 172 00 

178 17,208 00 



182 $17,380 00 
176 17,157 00 



Losses and claims unpaid Dec. 31 , . 



$223 00 



FRATERNAL BENEFICIARY ASSOCIATIONS. 



FROM THEIR ANNUAL RETURNS, DEC. 31, 1891. 



SUMMARY OF STATEMENTS RECEIVED. 



AMERICAN LEGION OF HONOR, BOSTON. 

[Incorporated March 11, 1879. Commenced business Dec. 18, 1878.] 

Enoch S. Brown, President. Adam Warnock, Secretary. 

Office, 20 Beacon Street. 

Income during 1891. 

For membership fees, $8,267 50 

annual dues, 16,890 20 

assessments (mortuary), 3,029,353 46 

relief returned, 19,676 00 

interest, 20,519 64 

all other, 4,668 27 

Total income, $3,099,375 07 

Balance on hand Dec. 31, 1890 619,427 44 

Total, $3,718,802 51 

Disbursements during 1891. 



For losses and claims, 

surplus returned to members, . 
salaries of officers and employees, 
borrowed money repaid, . 
incidental expenses, . 
Total disbursements, 



$2,844,006 00 

104,537 60 

20,740 62 

5,000 00 

38,668 63 

3,012,952 85 



Balance, $705,849 66 



Net or Invested Assets. 

Cost of real estate, . . $70,060 00 

Cost value of bonds and stocks owned, 324,881 43 

Cash in bank, 310,908 23 



Total net or invested assets, ...... $705,849 66 



2D2 



FRATERNAL BENEFICIARY [Dec. 31, 

$137,000 00 



Liabilities. 
Losses adjusted, due and unpaid, 
Total actual liabilities, . 



Balance, net assets, 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



1137,000 00 



»568,849 66 



Number. Amount. 

62,574 $176,523,500 00 
6,022 10,717,000 00 



68,596 $187,240,500 00 
7,241 20,689,000 00 



61,355 $166,551,500 00 

13 $26,500 00 
954 2,841,000 00 



967 $2,867,500 00 
915 2,730,500 00 



52 $137,000 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891,. 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

5,327 $15,325,500 00 
319 561,500 00 



5,646 $15,887,000 00 
530 1,328,500 00 



5,116 $14,558,500 00 

1 $500 00 
63 169,500 00 



64 $170,000 00 
61 161,000 00 



$9,000 00 



1891.] ASSOCIATIONS. 293 



NEW ENGLAND COMMERCIAL TRAVELERS' ASSOCIATION, 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business Jan. 24, 1877.] 

Albert Pitts, President. Walter P. Tilton, Secretary. 

Office, 32 Hawley Street. 

Income during 1891. 

For membership fees, $405 00 

annual dues, 3,437 00 

assessments (mortuary), 26,720 00 

interest, 932 82 

all other, 275 58 

Total income, $31,770 40 

Balance on hand Dec. 31, 1890, 25,789 05 



Total, $57,559 45 



Disbursements during 1891. 

For losses and claims (8 deaths), 

salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 

Balance, $31,281 54: 



Net or Invested Assets. 

Cost value of bonds and stocks owned, $25,136 25 

Cash in office, 178 19 

Cash in bank, 5,970 10 



$24,000 00 




1,500 00 




9 75 




765 16 






26,274 91 





Total net or invested assets, $31,284 54 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, . . . $G,800 00 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of claims, 1), . . $3,000 00 



294 



FRATERNAL BENEFICIARY [Dec. 31, 
Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

1,724 §5,172,000 00 

83 249 



1,807 $5,421,000 00 
81,000 00 



,000 00 
9 7,000 00 



9 $27,000 00 
8 24,000 00 



?3,000 00 



Business in Massachusetts during 1891. 

Number. Amount. 

Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. SI, . 



1,264 $ - I 00 
G7 IJ0O0 00 



1,331 $3,993,000 00 
15 45,000 00 



1,316 $3,948,000 00 
4 $12,000 00 



4 $12,000 00 
3 9,000 00 



$3,000 00 



EQUITABLE AID ONION, COLUMBUS, PENN. 

[Incorporated March 22, 1S79. Commenced business April 25, 1ST9.] 

R X Seaver, President. Albert Morgan. Secretary. 

Income during 1891. 

For animal dues, $27,951 60 

-sessments (mortuary), 711,915 65 

medical examiner's fees paid by applicant, . . . - - 35 

all other, . . 6,957 21 

Total income, $747 

Balance on hand Dec. 31, 1890, including cost of real estate. 24,933 13 

Total, $771,965 94 



1891.] 



ASSOCIATIONS. 



295 



Disbursements during 1891. 
For losses and claims (508 deaths), . . $702,439 94 
salaries of officers and employees, . . 11,809 98 

all other, 19,896 44 

Total disbursements, .... $734,146 36 



Balance, $37,819 58 



Net or Invested Assets. 



Cost of real estate, 
Cash in bank, . 



Total net or invested assets, . 



$7,000 00 
30,819 58 

$37,819 58 



Liabilities. 
Losses adjusted, due and unpaid, 

Balance, net assets, 



3,575 00 



$34,244 58 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $64,896 40 
Mortuary assessments not yet called for losses 

unadjusted, 60,460 60 

Net amount due from members, . . $125,357 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of claims, 85), 



. $125,347 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

32,869 
10,078 



42,947 
3,646 


- 


39,301 $61,418,736 00 

86 $135,563 00 
521 754,778 00 


607 
508 


$890,341 00 
702,439 00 



99 • $187,902 00 



296 



FRATERNAL BENEFICIARY [Dec. 31, 



Business in Massachusetts during 1801. 

Number. 

Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Amount. 

1,027 $1,715,1317 00 
104 193,395 00 



1,131 $1,909,012 00 
112 187,600 00 



1,019 $1,721,412 00 

3 $2,037 00 
20 30,790 00 



23 $32,827 00 
13 16,627 00 



10 $16,200 00 



ANCIENT ORDER OF FORESTERS OF AMERICA, BROOKLYN, 

NEW YORK. 

[Commenced business Oct. 1, 1876.] 

Wm. A. Kitts, President. E. M. McMurty, Secretary. 

Income during 1891. 

For annual dues, $1,819 37 

For assessments, 4o,s53 68 

Total income, $47,673 05 

Balance on hand Dec. 31, 1890, 2,119 76 

Total, $49,792 81 

Disbursements duresg 1891. 

For losses and claims, $43,000 00 

For salaries of officers and employees, . . 516 00 

All other 970 22 

Total disbursements, '. 44,486 22 

Balance, $5,306 59 

Net or Invested Assets. 
Cash in bank, $5,306 59 

Total net or invested assets, ...... f 5,306 59 



1891.] 



ASSOCIATIONS. 



297 



Contingent Mortuary Assets (or Resources) . 

Mortuary assessments, called and not yet due, $4,395 00 

Mortuary assessments due and unpaid, . . 413 00 

Mortuary assessments reported, . . . 24,800 00 

Ket amount due from members, . . $29,608 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 4), $5,000 00 

Losses reported, not in process (number of 

claims, 17), 23,000 00 

Total contingent mortuary liabilities, . 



$28,000 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 

2,621 
470 

3,091 
234 



Amount. 

$2,632,500 00 

597,000 00 

$3,229,500 00 

270,500 00 



2,857 $2,959,000 00 



10 
53 



63 
42 



$11,500 00 
60,000 00 

$71,500 00 
43,000 00 



21 $28,500 00 



Business ln Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 



8 


7,500 00 


210 
20 


$232,500 00 
21,000 00 ' 


190 

3 
3 


$211,500 00 

$4,000 00 
4,000 00 



298 



FRATERNAL BENEFICIARY [Dec. 31, 



UNITED ORDER OF THE GOLDEN CROSS, KNOXVILLE, TENN. 

[Incorporated July 4, 1876. Commenced business July 4, 1876.] 

Fessenden I. Day, President. W. R. Cooper, Secretary. 

Income during 1891. 



For membership fees, 

annual dues, 

assessments (mortuary), .... 
medical examiner's fees paid by applicant, 

interest, 

all other, 



$3,831 50 
8,779 04 
300,999 57 
1,720 00 
2,079 24 
1,235 17 



Total income, $318,644 52 

Balance on hand Dec. 31, 1890, 18,010 90 



Total, f336,655 42 



Disbursements during 1891. 



For losses and claims (198 deaths), . 
salaries of officers and employees, 
medical examiner's fee6, . 

all other, 

Total disbursements, 



Balauce, 



1295,736 93 
7,702 82 
1,720 00 
6,257 01 



Net or Invested Assets. 



Cash in office, 

Total net or invested assets, . 

Liabilities. 

Losses adjusted, due and unpaid, 
Salaries, rents, etc., due and accrued, 
All other (not including contingent mortuary) 
Total actual liabilities, . 



311,416 76 
£25,233 66 



$25,238 66 
$25,238 66 



Balance, net assets, 



$5,800 00 

62 50 

1,014 50 



6,877 00 
$18,361 66 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $17,000 00 

Mortuary assessments due and unpaid, . . 3,500 00 
Mortuary assessments, not yet called for losses 

unadjusted, $26,200 00 ; resisted, $2,000.00, . 28,200 00 

Net amount due from members, . . $48,700 00 



1891.1 



ASSOCIATIONS. 



299 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 4), $5,800 00 

Losses in process of adjustment (number of 

claims, 17), 26,200 00 

Losses reported, not in process (number of 

claims, 2), 2 V 000 00 

Total contingent mortuary liabilities, . 



$34,000 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec 31, . 



Number. Amount. 

17,342 $25,901,000 00 
3,055 4,650,000 00 



20,397 830,551,000 00 
1,338 2,569,000 00 



19,059^27,982,000 00 

17 $27,500 00 
204 318,500 00 



221 $346,000 00 
198 310,500 00 



23 $35,500 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 



Number. Amount. 

5,651 $8,351,800 00 
586 867,000 00 



6,237 $9,218,800 00 
337 498,800 00 



5,900 $8,720,000 00 

5 $9,000 00 
63 102,000 00 



68 $111,000 00 
60 84,000 00 



Losses and claims unpaid Dec. 31, . 



8 $27,000 00 



300 



FRATERNAL BENEFICIARY [Dec. 31, 



ROYAL SOCIETY OF GOOD FELLOWS, RHODE ISLAND. 



[Incorporated Feb. 23, 18S2. Commenced business April, 1882.] 

W. R Spooxer, President. D. Wilson, Secretary. 

Office, 180 Summer Street, Boston. 

Income during 1891. 
For membership fe 



annual dues, 

assessments, 

medical examiner's fees, paid by applicant, 

interest, 

all other, 



$2,687 50 

20,907 30 

349,144 02 

1,345 00 

306 39 

5.38 18 



Total income $374,948 39 

Balance on hand Dec. 31, 1890, 13,926 33 



Total, .$388,87. 



Disbursements during 1891. 



For losses and claims (140 deaths),, 
salaries of officers and emplo 
medical examiner's fees, 
legal expenses, . 
borrowed money repaid, 
all other, . 

Total disbursements, 



Balance, 



$352,878 39 
9,978 38 
1,345 00 
1,164 26 
4,500 00 
13,739 65 



XET OR iNyESTED ASSETS. 



Cash in office, . 

Total net or inyested assets, 



383,605 68 
7269 04 

$5,269 04 
$5,269 04 



Xox-iNyESTED Assets. 
Stock on hand, $5,242 06 



Gross assets, 



$10,511 10 



Liabilities. 

Losses adjusted, due and unpaid, 
All other (not including contingent mortuary), 
Total actual liabilities, . 

Balance, net assets, .... 



$3,000 00 
292 63 



•2 63 

$7,21- 



1891.] 



ASSOCIATIONS. 



301 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, not yet called for losses unadjusted, . $5,000 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of 

claims, 23), $57,000 00 

Losses in process of adjustment (number of 

claims, 1), 3,000 00 

Losses resisted (number of claims, 2), . . 5,000 00 

Total contingent mortuary liabilities, . 



$65,000 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, ..... 
Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

13,084 $33,489,000 00 

652 1,110,500 00 

13,736 $34,599,500 00 

2,699 6,841,500 00 

11,037 $27,758,000 00 



32 
115 



147 

140 



$82,000 00 
293,000 00 

$375,000 00 
352,878 00 

$22,122 00 



Business in Massachusetts during 1891. 

Number. 

Policies in force at beginning of year, . . . 6,825 
Policies written during 1891, 151 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 



6,976 
1,568 



Amount. 

$17,085,000 00 
261,000 00 

$17,346,000 00 
3,991,000 00 



5,408 $13,355,000 00 



15 
57 



72 
70 



$37,000 00 

141,000 00 

$178,000 00 

174,476 00 



Losses and claims unpaid Dec. 31, . 



$3,524 00 



302 FRATERNAL BENEFICIARY [Dec. 31, 



SUPREME COUNCIL OF THE HOME CIRCLE, BOSTON". 

[Incorporated Jan. 13, 1880. Commenced business Nov. 5, 1879.] 

Edward Page, President. Julius M. Swain, Secretary. 

Office, o Pemberton Square. 

Income during 1891. 

For annual dues, $4,876 32 

assessments, 126,752 78 

interest, 30; 

all other, 1,763 29 

Total income, $133,696 47 

Balance on hand Dec. 31, 1890 11,230 78 



Total, $144,927 25 

Disbursements during 1891. 

For losses and claims (51 deaths), . . . $134,000 00 

salaries of officers and employees, . . 3,600 00 

incidental expenses, 3,859 92 

Total disbursements, .... 141,459 92 

Balance, $3,467 33 

Net or Invested Assets. 
Cash in office, $3,467 33 

Total net or invested assets, £3,467 33 



Non-invested Assets. 

Office furniture, $660 00 

Supplies on hand, 700 00 

Bills receivable, 7,800 00 

Total non-invested assets, . . . 9,160 00 



Gross assets, $12,627 33 

Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, . . . $8,000 00 

Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of claims, 1), . . §2,000 00 



1891.] 



ASSOCIATIONS. 



303 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

5,956 $14,062,000 00 
650 1,089,500 00 



6,606$15,151,500 00 
368 852,500 00 



6,238 |U,299,000 00 

11 $32,000 00 
41 102,000 00 



52 $134,000 00 
51 132,000 00 



$2,000 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total 

Losses and claims paid during 1891, 



Number. Amount. 

2,786 $6,463,500 00 
74 113,000 00 



2,860 $6,576,500 00 
198 437,500 00 



2,662 $6,139,000 00 

3 $6,500 00 
15 33,000 00 



18 $39,500 00 
18 39,500 00 



ROYAL CONCLAVE OF KNIGHTS AND LADIES, BOSTON. 

[Incorporated Dec. 14, 1887. Commenced business Jan. 1, 1888.] 

George N. Howard, President. Benjamin F. Spillman, Secretary. 

Office, 611 Washington Street. 

Income during 1891. 

For membership fees, $856 00 

annual dues, 26 50 

assessments, 40,704 89 

medical examiner's fees paid by applicant, . . . 472 50 

interest and rents, 112 92 



304 



FRATERNAL BENEFICIARY [Dec. 31 



For borrowed money, 
For all other, 



Total income, . 
Balance on hand Dec. 31, 1890, 



Total, 



Disbursements during 1891. 



For losses and claims, 

commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
borrowed money repaid, . 

all other, 

Total disbursements, 



Balance, 



$34,269 10 
641 50 
2,788 74 
472 50 
1,645 78 
SJ00 
2,300 24 



Xet or Invested Assets. 



Cash in bank, 



$2,700 00 
327 n 

$45,200 56 
562 31 



$45,762 87 



4:», 117 86 



$645 01 



$645 01 



NON-TNVESTED ASSETS. 



Stock on hand, .... 
Bills receivable, 

Total non-invested assets, 



$339 40 
1,225 78 



Gross assets, 



Liabilities. 

Losses adjusted, due and unpaid, . . . $5,028 00 

Salaries due and accrued, 1,029 82 

Borrowed money, 200 00 

Total actual liabilities, .... 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $1,000 00 

Mortuary assessments due and unpaid, . . 300 00 

Net amount due from members, . . 

Business in Massachusetts during 1891. 



1,565 18 
$2,210 19 



$6,257 82 



$1,300 00 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, . 
Policies ceased during 1891, 

Policies in force Dec. 31, 1891, 



Number. Amount. 

2,272 $4,886,000 00 
214 359,500 00 



2,486 $5,245,500 00 
1,770 3,737,500 00 



716 $1,508,000 00 



1891.] ASSOCIATIONS. 305 

Number. Amonnt. 

Losses and claims unpaid Dec. 31, 1890, ... 8 $14,846 00 

Losses and claims incurred during 1891, ... 12 25,000 00 



Total, 20 $39,846 00 

Losses and claims paid during 1891, ... 18 34,269 00 



Losses and claims unpaid Dec. 31, ... . 2 $5,577 00 



KNIGHTS AND LADIES OF HONOR. 

[Incorporated Sept. 6, 1877. Commenced business Sept. 19, 1878.] 

L. B. Lockard, President. C. W. Harvey, Secretary. 

Office, Indianapolis, Inch 

Income during 1891. 

For annual dues, $22,212 75* 

assessments (mortuar} 7 ), 993,773 20' 

All other, 14,833 87 

Total income, $1,030,819 82' 

Balance on hand Dec. 31, 1890, 17,193 51 

Total $1,048,013 33 



Disbursements during 1891. 

For losses and claims (790 deaths),. . . $994,000 00 

salaries of officers and employees, 

incidental expenses, . 
Advanced to officers and agents, 

All other 

Total disbursements, 



13,465 00 
22,489 43 

1,000 00 

2,847 83 
1,033,802 26 



Balance, $14,211 07 



Net or Invested Assets. 

Cash in office, $9,562 94 

Supplies on hand, 4,648 13 

Total net or invested assets, $14,211 07 

Less depreciation, 768 80 



Total net or invested assets, $13,442 27 



306 



Bills receivable, 



FRATERNAL BENEFICIARY [Dec. 31, 
Non-invested Assets. 



$1,860 45 



Gross assets, $15,907 78 



Liabilities. 
Losses adjusted, due and unpaid, 



$77,833 33 



Total actual liabilities, $77,833 33 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, $69,800 00 
Mortuary assessments, due and unpaid, . . 69,320 00 
Net amount due from members, . . 



$139,120 00 



Contingent Moktuabt Liabilities. 
Losses adjusted, not yet due (number of 

claims, 32), $43,500 00 

Losses in process of adjustment (number of 

claims, 69), 91,000 00 

Total contingent mortuary liabilities, . 



$134,500 00 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number, Amount. 

58,8- 00 

8,457 10,334,500 00 



67,337332,366,500 00 
5,343 6,429,500 00 



61,994$75,937,000 00 

155 $199,833 00 
797 1,006,500 00 



952 $1,206,333 00 
790 994,000 00 



162 $212,333 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Namber. Amount. 

2.238 -$2,495,000 00 
53 54,500 00 



Total, . 
Policies ceased during 1891, 

Policies in force Dec. 31, 1891,. 



2,291 $2,549,500 00 
166 298,500 00 



2,125 $2,251,000 00 



1891.] 



ASSOCIATIONS. 



307 



Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, . 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 


Amount. 


1 


$2,000 00 


25 


30,000 00 



26 
19 



$32,000 00 
23,000 00 

$9,000 00 



KNIGHTS OF HONOR, ST. LOUIS, MISSOURI. 

[Incorporated June 20, 1884. Commenced business Jan. 1, 1873.] 

S. Klotz, President. B. F. Nelson, Secretary. 



Income during 1891. 

For annual dues, 

assessments (mortuary), .... 

benefit certificates, 

interest, 

all other, 



$34,637 67 

4,209,046 19 

24,313 15 

5,029 11 

5,915 64 



Total income, $4,278,941 76 

Balance on hand Dec. 31, 1891, 4«»,186 98 



Total, $4,319,128 74 



Disbursements during 1891. 



For losses and claims (2,142 deaths), 
salaries of officers and employees, 
legal expenses, .... 

all other, 

Total disbursements, 



Balance, 



$4,207,500 00 

19,954 00 

3,742 18 

47,876 82 



Net or Invested Assets. 



Cash in bank, 

Total net or invested assets, . 



4,279,073 00 
$40,055 74 



$40,055 74 
$40,055 74 



Non-invested Assets. 

Bills receivable, 
Supplies on hand, 
Office furniture, 

Total non-invested assets, 

Gross assets, . 



M,972 66 
2,961 26 
6,237 55 



11,171 47 
$51,227 21 



308 FRATERNAL BENEFICIARY [Dec. 31, 

Liabilities. 



Bills payable, . 

Balance, net assets, 



$39 06 



$51,188 15 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $559,359 95 
Mortuary assessments due and unpaid, . . 4,538 20 

Net amount due from members, . . $563,898 15 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 
claims, 137), $263,000 00 

Losses in process of adjustment (number of 

claims, 89), 173,000 00 

Total contingent mortuary liabilities, . $436,000 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred durring 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

135,212 $260,338,500 00 
11,282 19,013,500 00 



146,494 $279,352,000 00 
13,995 25,957,500 00 



132,499 $253,394,500 00 

287 $564,500 00 
2,081 4,079,000 00 



2,368 $4,643,500 00 
2,142 4,207,500 00 



226 $436,000 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Number. Amount. 

. 10,155 $19,813,000 00 
306 508,000 00 



Total, 10,461 $20,321,000 00 

Policies ceased during 1891, 782 1,515,500 00 



Policies in force Dec. 31, 1891, . 



. 9,679 $18,805,500 00 



1891.] ASSOCIATIONS. 309 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 

17 
121 


Amount. 

$34,000 00 
235,500 00 


138 
128 


$269,500 00 
251,000 00 


10 


$18,500 00 



ENDOWMENT RANK KNIGHTS OF PYTHIAS, CHICAGO, ILL. 

[Incorporated Oct. 5, 1875. Commenced business Nov. 1, 1877.] 

J. A. Hinsey, President. W. B. Kennedy, Secretary. 

Income during 1891. 

For annual dues, $11,148 00 

assessments (mortuary), 737,781 20 

interest, 9,147 96 

all other 2,217 27 

Total income $760,294 43 

Balance on hand Dec. 31, 1890 177,358 50 

Total, $937,652 93 

Disbursements during 1891. 

For losses and claims (334 deaths),. . . $732,000 00 

salaries of officers and employees, . . 9,020 66 

all other, 24,115 52 

Total disbursements, .... 765,136 18 

Balance, $172,516 75 

Net or Invested Assets. 
Cash in bank, $172,516 75 

Total net or invested assets, $172,516 75 

Non-invested Assets. 
Interest accrued, 4,150 20 



Gross assets, .... .... $176,666 95 



310 



FRATERNAL BENEFICIARY [Dec. 31, 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, due and unpaid, £7,700 



Contingent Mortuary Liabilities. 

Losses in process of adjustment (number of 

claims, 49) $109,000 00 

Losses reported, not in process (number of 

claims, 2o) 57,000 00 

Losses resisted (number of claims, 5), . 13,000 00 

Total contingent mortuary liabilities, . £ 179,000 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

23,501 |S 
5,236 11,263,000 00 



28,737 £61,533,3- 
1,468 2.9< '0,385 00 



27,269 £58,633,000 00 

45 £106,000 00 
368 811,000 00 



413 $917,000 00 
334 738,000 00 



79 £179,000 00 



Business in Massachusetts during 1891. 

Number. Amount. 

593 $1,079,111 00 
20 36,000 00 



Policies in force at beginning of }~ear, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891,. 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



613 £1,115,111 00 

33 53,111 00 

580 $1,062,000 00 

10 £21,000 00 

8 16,000 00 



$5,000 00 



1891.] ASSOCIATIONS. 311 



MASONS' FRATERNAL ACCIDENT ASSOCIATION OF AMERICA, 

WESTFIELD, MASS. 

[Incorporated Aug. 15, 1887. Commenced business Oct. 1, 1887.] 

William Provix, President. James A. Lakin, Secretary 

Income during 1891. 

For membership fees, $24,520 00 

annual dues, 31,051 80 

assessments, 68,018 00 

advances to agents repaid, 3,450 20 

interest, 100 00 

Borrowed money, 1,081 90 

Total income, $128,221 90 

Balance on hand Dec. 31, 1890, 20,961 19 

Total, $149,183 09 



Disbursements during 1891. 



For losses and claims (casualties), . 
commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 



$73,521 91 < 

29,207 69 

21,966 27 

582 65 

8,935 61 

134,214 13 



Balance, $14,968 96 



Net or Invested Assets. 

Cost value of stocks owned, $2,280 00 

Cash in office, 1,312 85 

Cash in bank, 11,376 11 



Total net or invested assets, $14,968 96 



Liabilities. 

Advance assessments, $6,324 00 

All other (not including contingent mortuary), 964 15 

Total actual liabilities, .... 7,288 15 



Balance, net assets, $7,680 81 



312 



FRATERNAL BENEFICIARY [Dec. 31, 

Total Business of 1891. 



Number. Amount. 

Policies in force at beginning of year, . . . 10,088 $42,95 1,500 00 
Policies written during 1891, 4,904 21.430,480 00 



Total, 14,992 $64,381,980 00 

Policies ceased during 1891, ^1 19,595,080 00 



Policies in force Dec. 31, 1891, 



Losses and claims incurred during 1891, . 
Losses and claims paid during 1891, 



10,508 $44 


,786,900 00 


808 


$73,521 


00 


808 


73,521 


00 



Business in Massachusetts during 1891. 

Number. Amount. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 



• • • A,«7t»l 

461 


2,014,570 00 


2.418 $10,331,820 00 
510 2,228,700 00 


1,908 

94 
94 


$8,103,120 00 

$7,539 00 
39 00 



NEW ENGLAND ORDER OF PROTECTION, BOSTON. 

[Incorporated Nov. 12, 1SS7. Commenced business Nov. IT, 111 

John J Whipple, President. Granville Cash, Secretary. 

Office, 43 Milk Street. 

Income during 1891. 

For membership fees, $7,507 00 

annual dues, 33,111 13 

assessments (mortuary), 126,636 31 

medical examiner's fees paid by applicant, ... J 50 

rents, 200 00 

all other, "5 59 

Total income, $173,799 53 

Balance on hand Dec. 31,1890, 44,433 39 

Total, |218£32 92 



1891.] 



ASSOCIATIONS. 



313 



Disbursements during 1890. 



For losses and claims (58 deaths), . 
commissions to agents, 
salaries of officers and employees, 
medical examiner's fees, . 
incidental expenses, . 
Total disbursements, 



Balance, 



$124,000 00 
3,043 16 
4,374 00 
2,569 50 
4,972 45 



$138,959 11 
$79,273 81 



Net or Invested Assets. 

Cash in bank, 

Cash held by subordinate bodies, .... 

Total net or invested assets, .... 



$1,630 36 
77,643 45 

$79,273 81 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, . . . $9,179 05 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of claims, 4), . . f 8,000 00 



Total Business of 1891. 



Policies in force at beginning- of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

8,878|16,937,000 00 
1,935 3,506,000 00 



10,813 $20,443,000 00 
760 1,352,000 00 



10,053 $19,091,000 00 

4 $8,000 00 
58 124,000 00 



62 $132,000 00 
58 124,000 00 



$8,000 00 



Business in Massachusetts during 1891. 

Number. Amount. 

5,096 $10,066,000 00 
599 1,032,000 00 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, . 
Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 



5,695 $11,098,000 00 
365 677,000 00 



5,330 §10,421,000 00 



314 FRATERNAL BENEFICIARY [Dec. 31, 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Number. 


Amount. 


2 


$4,000 00 


36 


78,0 



Total, 38 $82,000 00 

Losses and claims paid during 1891, ... 36 78,00000 



Losses and claims unpaid Dec. 31, ... 2 $4,000 00 



NORTHERN MUTUAL RELIEF ASSOCIATION, BOSTON. 

[Incorporated Sept. 19, 1883. Commenced business Sept. 22, 1883.] 

Alfred L Barbour, President. Walter Wright, Secretary. 

Office, 10 Tremont Street. 

Income during 1891. 

For membership fees, $1,774 50 

assessments, . . . . « 39,872 81 

interest, 28 55 

all other, 1,080 93 

Total income, $42,756 79 

Balance on hand Dec. 31, 1890, 713 45 

Total $43,470 24 

Disbursements during 1891. 

For losses and claims, $36,587 50 

salaries of officers and employees, . . 2,168 30 

all other, 2,825 55 

Total disbursements, .... 41,581 35 

Balance, $1,888 89 

Net or Invested Assets. 

Cash in office, $334 96 

Cash in bank, 1,553 93 

Total net or invested assets, $1,888 89 

Total Business of 1891. 

Number. Amount. 

Policies in force at beginning of year, . . . 1,841 $3,060,8' '7 00 
Policies written during 1891, . . . . 120 188,500 00 

Total, 1,961 $3,249,307 00 

Policies ceased during 1891, ..... 134 239,415 00 

Policies in force Dec. 31, 1891, 1,827 $3,009,892 00 



1891.] 



ASSOCIATIONS. 



315 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 

2 

24 

26 
22 



Amount. 

$3,900 00 
35,185 00 

$39,085 00 
31,085 00 

$8,000 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

1,250 $1,995,025 00 
105 166,500 00 



1,355 $2,161,525 00 
102 175,100 00 



1,253 $1,986,425 00 

16 $23,872 00 
13 17,872 00 



$6,000 00 



ODD FELLOWS 1 FRATERNAL ACCIDENT ASSOCIATION OF 
AMERICA, WESTFIELD, MASS. 

[Incorporated April 12, 1887. Commenced business May 4, 1887.] 

James Noble, Jr., President, H. N. Kingsbury, Secretary. 

Income during 1891. 

For membership fees, $22,605 00 

annual dues, 20,045 79 

assessments (mortuary), 40,091 58 

Total income $82,742 37 

Balance on hand Dec. 31, 189o 10,237 57 

Total, $92,979 94 

Disbursements during 1891. 

For losses and claims (601 casualties), . . $45,834 72 
For commissions to agents, .... 29,043 28 



316 



FRATERNAL BENEFICIARY [Dec. 31, 



For salaries of officers and employees, . 

For all other, 

Total disbursements, 



$7,206 32 
3,923 00 



Balance, 



$86,007 32 
$6,972 62 



Net or Invested Assets. 



Cash in office, 
Cash in bank, 



Total net or invested assets, 

Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $4,350 37 

Mortuary assessments reported, . . . 16,042 00 

Net amount due from members, . . 



$3,778 39 
3,194 23 

$6,972 62 



$20,392 37 



Contingent Mortuary Liabilities. 
Losses resisted (number of claims, 1), . 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



$5,000 00 



Number. Amount. 

6,480 $20,022,650 00 
4,909 13,299,050 00 



11,389 $33,321,700 00 
3,368 9,834,560 00 


8,021 $23,487,140 00 

1 $5,000 00 
601 45,834 00 


602 
601 


$50,834 00 
4-3,834 00 



$5,000 00 



Business in Massachusetts during 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims incurred during 1891, 
Losses and claims paid during 1891, 





394 


1,290,250 00 




3,184 
335 


$9,818,050 00 
1,011,000 00 


• 


2,849 

119 
119 


$8,807,050 00 

$8,096 00 
$8,096 00 



1891.] 



ASSOCIATIONS. 



317 



UNITED ORDER OF THE PILGRIM FATHERS, LAWRENCE, MASS. 

[[Incorporated March 15, 1879. Commenced business March 15, 1879.] 

Moses P. Brown, President. J. E. Shepard, Secretary. 



Income during 1891. 

For annual dues, 

assessments (mortuary), .... 
medical examiner's fees paid by applicant, 

interest, . 

all other, 



Total income, . 
Balance on hand Dec. 31, 1890, 



Total, $200,290 82 



$9,469 72 


177,932 11 


1,650 00 


414 58 


1,746 27 


$191,212 68 


9,078 14 



Disbursements duking 1891. 



For losses and claims (101 deaths), . 
salaries of officers and employees, 
medical examiner's fees, . 

all other, 

Total disbursements, 

Balance, 



$177,000 00 
3,796 14 
1,650 00 
6,839 49 



189,285 63 



$11,005 19 



Net or Invested Assets. 

Cost value of bonds and stocks owned, . 

Cash in bank, 



Total net or invested assets, . 

Liabilities. 
Losses adjusted, due and unpaid, 



Balance, net assets, 



$3,000 00 
8,005 19 

$11,005 19 



1,000 00 



$10,005 19 



Contingent Mortuary Assets (or Resources). 
Mortuary assessments, called and not yet due, $31,000 00 
Mortuary assessments, not yet called for losses 

unadjusted, 31,000 00 

Net amount due from members, . . $62,000 00 



Contingent Mortuary Liabilities. 
Losses adjusted, not yet due (number of claims, 24), . 



$42,000 00 



318 



FRATERNAL BENEFICIARY [Dec. 31, 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

12,408 $21,757,000 00 
1,320 2,310,000 00 



13,728 $24,067,000 00 
417 «,750 00 


13,311 $23,337,250 00 

19 $35,000 00 
107 ) 00 


126 

101 


$224,000 00 
177,000 00 



25 $47,000 00 



ROYAL ARCANUM, BOSTON. 

[Incorporated Nov. 5, 1877. Commenced business June 23, 1877.] 

H. H. C. Miller, Acting President. W. O. Robson, Secretary. 

Office, 55 Kilby Street. 

Income during 1891. 

For membership fees, $33,964 00 

annual dues, 39,705 57 

assessments (mortuary), 3,129,419 57 

interest and rents, 8,631 60 

all other, 14,311 45 



Total income, . 
Balance on hand Dec. 31, 1890, 



. $3,226,032 19 
275,763 47 



Total, $3,501,795 66 



Disbursements during 1891. 
For losses and claims (1,049 deaths), . . $3,096,250 00 
commissions to agents, .... 3,867 81 

salaries of officers and employees, . . 43,299 94 

incidental expenses, 24,949 20 

Total disbursements, .... 3,168,366 95 



Balance, ?333,423 71 



1891.] 



ASSOCIATIONS. 

Net or Invested Assets. 



Cost of real estate, .... 
Cost value of bonds and stocks owned, 

Cash in office, 

Cash in bank, 



Total net or invested assets, . 
Less depreciation, . 



Total net or invested assets, . 

Non-invested Assets. 

Interest clue, 

Market value of real estate over cost and incum- 
brances, 

Market value of bonds and stocks over cost, . 
Total non-invested assets, 



319 



$26,385 08 

10,349 11 

253 92 

296,440 60 

$333,428 71 

569 11 

$332,859 60 



$1,401 06 

10,000 00 
26,764 22 



38,165 28 



Gross assets, $371,024 88 

Liabilities. 

Losses adjusted, due and unpaid, . . . $55,250 00 
All other (not including contingent mortuary), 1,319 43 

Total actual liabilities, .... 56,569 43 



Balance, net assets, 



$314,455 45 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $216,000 00 
Mortuary assessments, due and unpaid, . . 3,000 00 

Total due from members, . . . $219,000 00 

Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of 

claims, 3), $7,500 00 

Losses reported, not in process (number of 

claims, 78), 234,000 00 

Losses resisted (number of claims, 6), . . 18,000 00 

Total contingent mortuary liabilities, . $259,500 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Number. Amount. 

. 111,366 $327,204,000 00 
. 17,089 49,260,000 00 



Total 128,455 $376,464,000 00 

Policies ceased during 1891, 3,689 10,686,000 00 



Policies in force Dec. 31, 1891, . 



. 124,766 $365,778,000 00 



320 



FRATERNAL BENEFICIARY [Dec. 31, 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891, . 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



lumber. 


Amount. 


28 


$86,600 00 


1,048 


3,097,500 00 



1,076 $3,183,000 00 
1,049 3,102,250 00 



27 $80,750 00 



Business in Massachusetts during 1891. 

Number. 

12,034 
1,179 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



13,813 
311 



Amount. 

$37,432,500 00 
3,388,500 00 

$40,821,000 00 
915,000 00 



13,502 $39,900,000 00 



4 
117 



121 
119 



$12,000 00 
345,000 00 

$357,000 00 
351,000 00 

$6,000 00 



ORDER OF THE SCOTTISH CLANS, BOSTON. 

[Incorporated May 11, 1889. Commenced business May 11, 1889.] 

James Sutherland, President. Peter Kerr, Secretary. 

Office, Boylston Building. 



Income during 1891. 



For annual dues, 
assessments, 
all other, . 



Total income, . 
Balance on hand Dec. 31, 1890, 



Total, 



$1,004 00 

65,021 25 

2,530 28 

$69,155 53 
3,710 79 

$72,866 32 



Disbursements during 1890. 



For losses and claims, 

salaries of officers and employees, 
incidental expenses, . 
Total disbursements, 

Balance, 



$60,972 17 
1,600 00 
4,256 20 



$6,037 95 



1891.] 



ASSOCIATIONS. 
Net or Invested Assets. 



Cash in bank, .... 

Total net or invested assets, . 



321 



1,037 95 



1,037 95 



Liabilities. 
Losses adjusted, due and unpaid, 

Balance, net assets, . . 



4,000 00 



'$2,037 95 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $10,000 00 
Mortuary assessments, not yet called for losses 

unadjusted, 8,500 00 

Mortuary assessments reported, . . . 20,000 00 

Net amount due from members, . . . 



f 38,500 00 



Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 4), $8,000 00 

Losses in process of adjustment (number of 

claims, 6), 8,500 00 

Losses reported, not in process (number of 

claims, 10), 20,000 00 

Total contingent mortuary liabilities, . 



$36,500 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

3,135 $4,428,500 00 
1,457 2,333,000 00 



4,592 $6,761,500 00 
908 1,362,000 00 



3,681 $5,399,500 00 

8 $ 11,500 00 
41 60,972 00 



49 $72,472 00 
41 60,972 00 



8 $11,500 00 



322 



FRATERNAL BENEFICIARY [Dec. 31, 



Business ln Massachusetts during 1891. 

Number. Amount. 

742 11,098,500 00 
96 144,000 00 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



838 fl,242,500 00 
58 87,000 00 



780 $1,155,500 00 

2 $3,000 00 
10 17,500 00 



12 $20,500 00 
10 17,500 00 



$3,000 00 



ORDER OF UNITED FRIENDS, POUGHKEEPSIE, NEW YORK. 

[Incorporated 1881. Commenced business Dec. 2, 1881.] 

Thomas S. Stout, President. Oliver M. Shedd, Secretary. 

Income during 1891. 

For annual dues, $4,642 53 

assessments (mortuary), 498,759 20 

all other, 3,674 96 

Total income, f 507,076 69 

Balance on hand Dec. 31, 1890, 7,616 91 

Total, $514,693 60 

Disbursements during 1891. 

For losses and claims, $498,225 00 

salaries of officers and employees, . . 7,891 20 

all other, 4,902 44 

Total disbursements, .... 511,018 64 

Balance, ■ • £3,674 96 



1891.] 



ASSOCIATIONS. 

Net or Invested Assets. 



Cash in bank, . » 

Total net or invested assets, . 

Liabilities. 
Losses adjusted, due and unpaid, 

Borrowed money, 

Total actual liabilities, . 



323 



$3,674 96 
$3,674 96 



$50,000 00 
324 80 



$50,324 80 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $39,450 00 
Mortuary assessments, not yet called for losses 

unadjusted, 19,220 00 

Net amount due from members, . . 

Contingent Mortuary Liabilities. 

Losses adjusted, not yet due (number of 

claims, 29), $50,000 00 

Losses in process of adjustment (number of 

claims, 3), 7,000 00 

Total contingent mortuary liabilities, . > — 



$58,670 00 



$57,000 00 



Total Business of 1891 



Policies in force at beginning of year, 
Policies written during 1891, . 

Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. Amount. 

22,343 $39,568,000 00 
2,067 2,746,000 00 



24,410 $42,314,000 00 
3,281 4,522,000 00 



21,129 $37,792,000 00 

27 $40,000 00 
292 524,225 00 



319 $564,225 00 
272 470,225 00 



47 $94,000 00 



Business in Massachusetts during 1891. 

Number. Amount. 

Policies in force at beginning of year, . . . 2,354 $4,789,000 00 
Policies written during 1891, 51 75,000 00 



Total, . 
Policies ceased during 1891, 

Policies in force !>'■ 81, 1891,. 



2,405 $4,864,000 00 
239 517,000 00 



2,166 $4,347,000 00 



324 FRATERNAL BENEFICIARY [Dec. 31, 



Losses and claims unpaid Dec. 31, 1890, . 
Losses and claims incurred during 1891,. 



Number. 


Amount. 


2 


$4,000 00 


3-1 


57,500 00 



Total, 36 161,600 00 

Losses and claims paid during 1891, ... 34 57,500 00 



Losses and claims unpaid Dec. 31, ... . 2 $4,000 00 



GRAND LODGE ANCIENT ORDER OF UNITED WORKMEN, 

BOSTON, MASS. 

[Incorporated Feb. 9, 1883. Commenced business Feb. 25, 1879.] 

John C. Bickford, President. Hugh Doherty, Secretary. 

Office, 120 Tremont Street. 

Income during 1891. 

For annual dues, $21,879 75 

assessments (mortuary), 291,330 00 

all other, ' . J 79 

Total income, $320,47 

Balance on hand Dec. 31, 1890, 5,470 82 

Total, $325,941 36 

Disbursements during 1891. 

For losses and claims (N. E. jurisdiction), . $250,000 00 

losses and claims (in other jurisdictions), 35,496 00 

salaries of officers and employees, . . 6,017 00 

all other, 15,670 84 

Total disbursements, .... 307,183 84 

Balance, $18,757 52 

Net or Invested Asset-. 

Cash in office, ?16,257 52 

Cash in bank, 2,500 00 

Total net or invested assets, $18,757 52 

Liabilities. 
Losses adjusted, due and unpaid, ->,000 00 



1891.] 



ASSOCIATIONS. 



325 



Contingent Mortuary Assets (or Resources). 

Mortuary assessments, called and not yet due, $26,396 00 
Mortuary assessments, not yet called for losses 

unadjusted, 26,396 00 

Net amount due from members, . . $52,792 00 



Contingent Mortuary Liabilities. 
Losses in process of adjustment (number of claims, 1), . 



$2,000 00 



Total Business of 1891. 



Policies in force at beginning of year, 
Policies written during 1891, . 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891,. 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 



Total, 

Losses and claims paid during 1891, 

Losses and claims unpaid Dec. 31, . 



Number. 

20,510 
6,326 

26,836 
440 



Amount. 

$41,020,000 00 
12,652,000 00 



$53,672,000 00 
880,000 00 



26,396 $52,792,000 00 



8 
132 



140 
125 



$16,000 00 
261,000 00 



$280,000 00 
250,000 00 



15 $30,000 00 



Business in Massachusetts during 1891. 

Number. 

Policies in force at beginning of year, . . . 11,112 
Policies written during 1891, 3,634 



Total, 

Policies ceased during 1891, 

Policies in force Dec. 31, 1891, . 

Losses and claims unpaid Dec. 31, 1890, 
Losses and claims incurred during 1891, 

Total 

Losses and claims paid during 1891, 



Amount. 

$22,224,000 00 
7,268,000 00 



14,746 
219 



$29,492,000 00 
438,000 00 



$14,527 $29,051,000 00 



4 
64 



68 
60 



$8,000 00 
128,000 00 

$136,000 00 
120,000 00 



Losses and claims unpaid Dec. 31, . 



8 $16,000 00 



ASSESSMENT ENDOWMENT COKPOKATIONS. 



SUMMAEY OF STATEMENTS RECEIVED. 



ABRAHAM LINCOLN BENEFIT ASSOCIATION. 

[Incorporated May 12, 1890. Commenced business May 12, 1890.] 

Rowland C. Whittet, President. Thomas Mulligan, Secretary. 
Office, 13 West Street, Everett, Mass. 

Endowment Class. Benefit Fund, Income 1891. 

Balance on hand Dec. 31, 1891, $327 00 

Received from assessments, 1,770 00 

Received from interest, 11 25 

Total, . • $2,108 25 

Disbursements, for Benefits only. 

Paid for sickness and disability, • . . . . . . 815 00 

Balance, $1,293 25 

Assets in Benefit Fund, Net. 

Cash in office, $40 00 

Cash in bank, 170 06 

Securities deposited in State treasury, ..... 1,083 19 

Total, $1,293 25 

MoTrtuary Class. Income and Disbursements. 

Received from assessments (number of, 2), . . . . $177 00 

Total, * $177 00 

Paid death benefits (number of, 1), 100 00 

Balance on hand Dec. 31, 1891, $77 00 

General Fund. Income. 

Balance on hand Dec. 31, 1890, $23 99 

Received from expense assessments, $286.50 ; per capita tax, 

$108.00 . 394 50 

Received from admission fees, 1,030 00 

Received from borrowed money, $163.00 ; rent, $50.00, . . 213 00 

Total, $1,661 49 



330 



ASSESSMENT ENDOWMENT [Dec. 31, 



General Fund. Disbursements. 
Paid for organization of new branches, 
for officers' salaries, . 
for rent, $275.00; advertising, $7.00 

printing, $85.25, . 
for office furniture, . 
for office supplies, 
for travelling expenses, . 
for medical examinations, 
All other expenses, . 

Total 

Balance on hand Dec. 31, 1891, 

Liabilities against General Fund. 
Due for borrowed money, .... $253 00 

for officers 1 salaries, 1,701 49 

for office supplies, 6 25 

Total, 



$853 00 


175 00 


367 25 


51 93 


5 60 


13 00 


84 00 


108 21 



Deficit Dec. 31, 1891, 



$1,657 99 
$3 50 



1,960 74 
$1,957 24 



Receipts, . 
Expenditures, 
Balance, 



Receipts, . 
Expenditures, 
Balance, 



Receipts, . 
Expenditures, 
Balance, 



Consolidated Balances. 
Benefit Fund. 



Mortuary Fund. 



Expense Fund. 



Total assets Dec. 31, 1891, 



$2,108 25 
815 00 



$177 00 
100 00 



$1,661 49 
1,657 99 



$1,293 25 



77 00 



3 50 



$1,373 75 



Endowment Certificate Exhibit. 
Total Business, 1891. 



Certificates in force at beginning of year, 
Certificates written during 1891, 



Total, ' 

Certificates ceased during 1891, 

Certificates in force Dec. 31, 1891, . 

Certificates terminated by death during 1891, 
Certificates terminated by lapse during 1891, 



Number. 

116 
164 


Amount. 

$58,000 00 
82,000 00 


280 
170 


$140,000 00 
85,000 00 


110 

2 
168 


§55,000 00 

$1,000 00 
84,000 00 



1891.] 



CORPORATIONS. 

Massachusetts Business, 1891. 



Certificates in force at beginning of year, 
Certificates written during 1891, 



Total, 

Certificates ceased during 1891, 

Certificates in force Dec. 31, 1891, . 

Certificates terminated by death during 1891, 
Certificates terminated by lapse during 1891, 



331 



Number. Amount. 

115 $57,500 00 
126 63,000 00 



241 $120,500 00 
160 80,000 00 



2 

158 



81 $40,500 00 



$1,000 00 
79,000 00 



AMERICAN CO-OPERATIVE UNION, BOSTON. 

[Incorporated March 9, 1890. Commenced business Sept. 9, 1890.] 

A. S. Caswell, President. H. W. Holbrook, Secretary. 

Office, 4 Pearl Street. 

Endowment Class. Benefit Fund, Income 1891. 

Balance on hand Dec. 31, 1890, $615 54 

Received from assessments, 15,277 44 

Received from interest, 83 88 

Total, $15,976 86 

Disbursements, for Benefits only. 
Paid for sickness and disability, 6,140 00 

Balance, $9,836 86 

Assets in Benefit Fund, Net. 

Cash in bank, .... $3,836 86 

Securities deposited in State treasury, 6,000 00 

Total, $9,836 86 

Non-invested Assets belonging to Benefit Fund. 
Interest due, 60 00 

Gross assets, $9,896 86 

Liabilities against Benefit Fund. 
Advance assessments, 378 48 

Balance, ... £9,518 38 



332 



ASSESSMENT ENDOWMENT [Dec. 31, 



Mortuary Class, Income and Dubuhsemeb 

Received from assessments (number of, 2), . . . . $5,334 90 
Received from all other sources, 27 CO 



Total, 

Paid death benefits (number of, 3), . 

Balance on hand Dec. 31, 1891, 



2 56 
3,000 00 






General Fund. Income. 

Balance on hand Dec. 31, 1890 $16 30 

Received from expens< uients, ;) 10 

from admission fees, 4,405 00 

for medical examinations, 58 50 

for certificate fees, $880.00 ; sale of supplies, $191 05, 1,"71 05 

from rent, 50 00 

from quarterly dues, 1,082 23 

Total, $15,216 18 



General Fund. Disbursements. 

Paid for organization of new branches, . 
for officers* salaries 

other compensation to officers, 

for commissions, .... 

for clerk hire in office, 

for rent, $828.00 ; advertising, $662 25 
printing, $1,530 48, 

for office furniture, .... 

for office supplies, .... 

for office expenses, .... 

for legal expenses, .... 

for medical examinations, 
Medical examiner's fees allowed in set-off, 
Paid borrowed money, .... 

All other, 

Total, 



$1,482 14 


30 00 


185 


00 


3,464 50 


1,329 




3,< '. 


73 


290 50 


299 


83 


1,021 


85 


5 


00 


859 00 


429 


50 


140 00 


282 


81 



14,090 38 



Balance on hand Dec. 31, 1891, 



$1,125 80 



Liabilities against General Fund. 



Due for borrowed money, 
Due for office supplies, 
Total, . 



$1,455 00 
292 50 



1,747 50 



Deficit Dec. 31, 1891, 



$€21 70 



1891.] CORPORATIONS. 

Consolidated Balances. 

Benefit Fund. 

Receipts, 115,976 86 

Expenditures, 6,140 00 

Balance, 

Mortuary Fund. 

Receipts, $5,362 56 

Expenditures, 3,000 00 

Balance, 

Expense Fund. 

Receipts $15,216 18 

Expenditures, . .... 14,090 38 
Balance, 

Total assets Dec. 31, 1891, 



333 



1,836 86 



2,362 56 



1,125 80 



$13,325 22 



Endowment Certificate Exhibit. 

Total Business, 1891. 



Certificates in force at beginning of year, 
Certificates written during 1891, 



Total, 

Certificates ceased during 1891, 

Certificates in force Dec. 31, 1891, . 

Certificates terminated by death during 1891, 
Certificates terminated by lapse during 1891, 

Massachusetts Business 

Certificates in force at beginning of year, 
Certificates written during 1891, 



Total, 

Certificates ceased during 1891, 

Certificates in force Dec 31, 1891, . 

Certificates terminated by death during 1891, 
Certificates terminated by lapse during 1891, 



1891. 



Number. Amount. 

446 $429,000 00 
894 865,250 CO 



1,340 $1,294,250 00 
493 475,500 00 



847 $818,750 00 

3 $3,000 00 
490 472,500 00 



Number. Amount. 

446 $429,000 00 
767 743,250 00 



1,213 $1,172,250 00 
432 416,000 00 



781 $756,250 00 

2 $2,000 00 
430 414,000 00 



334 



ASSESSMENT ENDOWMENT [Dec. 31, 



AMERICAN FRIENDLY SOCIETY, BOSTON. 

[Incorporated Dec. 24, 1889. Commenced business Jan. 4, 1890.] 

James L. Miller, President. F. O. Downes, Secretary. 

Office, 20 Beacon Street. 



Endowment Class, Benefit Fund, Income 1891. 
Received from assessments, 



Total, 



Disbursements, for Benefits only. 
Paid for sickness and disability, 



• • • 



Balance, 

Cash in bank, 
Total, 



Assets in Benefit Fund, Net. 



Mortuary Class. Income and Disbursements. 
Received from assessments (number of, 1), . 



Balance on hand Dec. 31, 1891, 



$1,781 00 



$1,781 00 



354 00 



? 1,427 00 



81,427 00 



$1,427 00 



$802 50 



?802 50 



General Fund. Income. 

Balance on hand Dec. 31, 1890, .... 
Received from expense assessments, 

from admission fees, 

for medical examinations, 

for certificate fees, 



Total, 



General Fund. Disbursements. 



$132 50 


1,177 00 


1,101 00 


612 03 


816 00 



£3,838 50 



Paid for organization of new branches, . 

for clerk hire, 

for rent, $300; advertising, $156.40 

printing, $151.02, .... 

for office supplies, .... 

Medical examiner's fees allowed in set-off, 

Borrowed money repaid, .... 

Total, 



Balance on hand Dec. 31, 1891, 



$1,395 00 




682 00 




607 4:2 




25 55 




612 00 




500 00 






3,821 97 





$16 53 



1891.] CORPORATIONS. 

Liabilities against General Fund. 
Bills payable, 

Deficit, 

Consolidated Balances. 

Benefit Fund. 

Receipts, $1,781 00 

Expenditures, 354 00 

Balance, 

Mortuary Fund. 

Receipts, §802 50 

Expenditures, - 

Balance, 

Expense Fund. 

Receipts, $3,838 50 

Expenditures, • . . 3,821 97 

Balance, 

Total assets Dec. 31, 1891, 



335 



$316 83 



§300 30 



$1,427 00 



802 50 



16 53 



$2,246 03 



Endowment Certificate Exhibit. 
Total Business, 1891. 



Certificates in force at beginning of year, 
Certificates written during 1891, 



Total, 

Certificates ceased during 1891, .... 

Certificates in force Dec. 31, 1891, .... 

Massachusetts Business, 1891. 

Certificates in force at beginning of year, , 
Certificates written during 1891, .... 



Total, 

Certificates ceased during 1891, 

Certificates in force Dec. 31, 1891, . 



Number. Amount. 

45 §81,500 00 
408 064,000 00 



453 $745,500 00 
76 119,500 00 

377 $626,000 00 



Number. Amount. 

45 §81,500 00 
339 548,000 00 



384 $629,500 00 
70 110,000 00 

314 $519,500 00 






336 



ASSESSMENT ENDOWMENT [Dec. 31, 



AMERICAN MUTUAL RELIEF ASSOCIATION, BOSTON. 

[Incorporated March 13, 1339.] 

Samuel W. Sargent, President. W. II. Maxwell, Secretary. 

Office, 1 Beacon Street, Boom 83. 



Endowment Class. Benefit Fund, Income 1891. 
Received from assessments, i 50 



Total, 



$754 50 



Disbursements, for Benefits only. 
Paid for sickness and disability, 



Balance, 



330 00 



$424 50 



Assets in Benefit Fund, Net. 



Cash in office, 



$424 50 



Mortuary Class. Income and Disbursements. 
Received from assessments (number of, 1), . 



Total, 
Paid benefits (number of, 1), 



Balance on hand Dec. 31, 1891, 

General Fund. Income 

Balance on hand Dec. 31, 1890, 
Received from expense assessments, 

from admission fees, . 

for medical examinations, . 

from borrowed money, 

from all other sources, 



Total, 



$92 98 



$92 98 
50 00 



$42 98 



3 00 




1,151 00- 


18 00 


2,600 00 


3 00 



$4^71 



General Fund. Disbursements. 

Paid for organization of new branches, . 
for officers' salaries, .... 
for clerk hire in office, 
for rent, $264 32; advertising, £22.10 

printing, $98.33, .... 
for office furniture, .... 
for office supplies, .... 



1995 


50 


1,791 


70 


160 


00 


384 


75 


331 


05 


2 62 



1891.] 



CORPORATIONS. 



337 



Paid for travelling expenses, $286.71 ; legal 

expenses, $20, 

Paid for interest, 

Medical examiner's fees allowed in set-off, 

All other expenses, 

Total, 

Balance on hand Dec 31, 1891, 



$306 71 




78 00 




18 00 




134 84 






$4,203 17 





§74 35 



Liabilities against General Fund. 
Due for borrowed money, .... $2,600 00 



for officers 1 salaries, . 
for rent, 

on all other accounts, 
Total, 



Deficit, 



270 00 

58 33 

308 45 



3,236 78 
53,162 43 



Receipts, . 
Expenditures, . 
Balance, . 



Receipts, . 
ExjDenditures, . 
Balance, . 



Receipts, . 
Expenditures, . 
Balance, . 



Consolidated Balances. 
Benefit Fund. 



Mortuary Fund. 



Expense Fund. 



Total assets Dec. 31, 1891, 



$754 50 
330 00 



$92 98 
50 00 



>4,277 52 
4,203 17 



§424 50 



42 98 



74 35 



$541 83 



Endowment Certificate Exhibit. 
Total Business, 1891. 



Certificates written during 1891, 
Certificates ceased during 1891, 

Certificates in force Dec. 31, 1891, 



Massachusetts Business, IS 91. 



Certificates written during 1891, 
Certificates ceased during 1891, 

Certificates in force Dec. 31, 1891, 



Number. 

365 
303 


Amount. 

$364,500 00 
303,000 00 


62 

Number. 

244 
182 


$61,500 00 

Amount. 

$243,500 00 
182,000 00 



62 §61,500 00 



338 



ASSESSMENT ENDOWMENT [Dec. 31, 



SUPREME LODGE OF THE AMERICAN PROTECTIVE LEAGUE, 

BOSTON. 

[Incorporated June 29, 1889. Commenced business July 1, 1889.] 

Dwight S. Woodworth, President. Wm. J. Purman, Secretary. 

Office, 181 Tremont Street. 



Endowment Class. Benefit Fund, Income 1891. 



Balance on hand Dec. 31, 1890, 
Received from assessments, 
Transferred from general fund, 

Total, .... 



$4,500 00 
46,247 75 
61,217 42 

f 111,965 17 



Disbursements, for Benefits only. 

Paid for sickness and disability, . . . $25,325 00 

Paid